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  • Customers like
    • Interest rate 7
    • Rates 4
    • Initial response 4
  • Customers don't like
    • Being mislead 10
    • Customer service 7
    • Total lack of communication 7
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I don't even know where to begin. My experience with Sebonic Financial (Cardinal Financial) was an exercise in ridiculousness. My refi should have been so easy...40% LTV, great credit and assets, etc. They could not get it done. First they said the appraiser told them the house wasn't permitted which was crazy. The four times I refi'd in the past, the appraisers had no problems finding the permits. I had to send the permits to the loan officer. Then I was told there was a new ordinance in my area that stated you couldn't rebuild if your... Read more

Was this review helpful? 3 0

Just received a call from this company saying that I somehow received a deposit from there company almost six years ago. When I tried to ask what is going on and why I was receiving calls from their company, when this is the first time I have ever heard about a loan from whatever company that they are, they simply told me my address from 7 years ago, which can be found on any credit check, and continue to yell at me saying that they are sending a deputy to serve me court papers for a loan that I never received, or know any knowledge of... Read more

Was this review helpful? 3 0

We are presently going through the process with Sean Mahar at Sebonic. The communication, professionalism and his knowledge of the process has been far above what I would've expected, based on overall reviews of the home loan process. Cardinal Financial is apparently the parent company of Sebonic. Dawn has been very easy to get in touch with through Cardinal and it has been for the most part a very easy ride, until yesterday, 4 days before closing. We are running into a few issues with the underwriters and we are only a few days out from... Read more

Was this review helpful? 2 0

I am the buyers agent on a Sebonic loan and the communication is horrible. I emailed last week to make sure we were on schedule to close today and the answer was yes...well today is the day and we haven't closed yet and probably won't. Yesterday their system was "down" and the processor still hasn't returned my call. She did finally decide to talk to the buyer and the title company and asking for documentation that should have been asked for several weeks ago. So I believe these other borrowers when they say they were delayed with closing... Read more

Was this review helpful? 5 0

Second time around with Cardinal and just as disappointed if not more so than the 1st. Simple straight-forward refinance with cash out that turned into a juvenile fiasco of mortgage processes. The rep doesn't know basic mortgage terms, couldn't intelligently inform me of what program he was setting me up in, didn't know basic processes, complete lack of communication and finally a bad appraisal and delays that resulted in me cancelling the refinance altogether. I am going elsewhere with a bank I trust and a rep that has been doing this... Read more

Was this review helpful? 4 0

I was quoted 4500 in closing costs on a loan and was finally given an estimate of 12K. Very shady company. They made huge mistakes in the closing costs update and it keeps getting higher. Their requirement for paperwork is unrealistic and frustrating. I had to refax documents over and over before they go them. Go with a local bank which will be much easier to deal with. NOT recommended! One big headache after another. Dont know if we will proceed with Sebonic/ Cardinal financial but if they get their act together we might. Read more

Was this review helpful? 6 2

I worked with Joe Perkins to refinance my house and I was very pleased the way he handled ito whom I worked with a Joe Perkins and Mark to refinance for my house and I was very pleased with the outcome. I started working with Joe in December of 2015 and I closed January 27, 2016.Joe and Mark performance were supper. Joe explained to me and there was NO hidden cost at all. in future I love to use Subsonic finance group specially with Joe and Mark. thanks . Read more

Was this review helpful? 0 5

Was a bad experience. It was all good til the appraisal came in then didn't hear from them for a while then never whem though with my approval. Had to find someone else to help me. Add comment

The closer sends you a customer care number and good luck ever talking to him again, until you're finally so frustrated you move the loan. The processor had no idea what she was doing and I have this in an email. You call into a call center like Att however Att does this better...sadly. The absolute best is they won't be able to close the loan last minute and charge you for that. Zero customer service. If you like babysitting and calling into a cs call center or if you can do the loan yourself then this is the lender for you. I've owned... Read more

Was this review helpful? 4 0

Justin Fry is the best mortgage guy ever. He is super nice and was very helpful in leading to purchase my first income property. Although he said he wouldn't personally open his checkbook for investment properties with his childhood friend, he did have many helpful answers. Add comment

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