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These people are a pack of idiotic buffoons. After making me wait more then 90 days, they sent me an email stating that they were not able to document where the cash deposits on my bank statements came from. Clearly the income was shown on my tax returns that they...
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#996025
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After spending an entire weekend scanning documents and whatever bs they deemed nesessary to apply for my loan I waited, waited and waited to be contacted by them. After a week or so I contacted them and they informed me that everything was great, great credit great...
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Anonymous
Anonymous

You to they are a real joke all i can say people don't wast your time there shopping there.

1.9
#982503
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I was provided a loan estimate in November, 2016 and a 30-day rate lock. All required documents were uploaded per Sebonic/Cardinal's requirements in two days after the rate was locked. Cardinal charged me $475 for an appraisal immediately. After more than three weeks,...
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1.0
I liked
  • None
I didn't like
  • Lack of communication
  • Unfair fees for rate lock extensions
  • Misleading
#971089
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Sebonic Financial Mortgage Review

Sebonic Financial
#777724
2.2
Details
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.
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Billing Practices
Customer service
Diversity of Products or Services
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Staff
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Sebonic Financial Mortgage Review

Sebonic Financial
#755382
5.0
Details
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.
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Product or Service Quality
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Sebonic Financial Payment Option Review

Sebonic Financial
#698498
This company plays games with the locking rate, they take their time and they let the time expires and change your rate to higher rate, and at this time you can't refuse because you are out of time and you have to close or lose the purchase. Very band company, and they go by the name of Cardinal Financial Services. Don't every use them.
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Sebonic Financial Mortgage Review

Sebonic Financial
#694790
Raised closing costs $1500 after submitting final documents. Of course this was less than 2 business days before scheduled closing.
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I contacted Sebonic financial for a re-fi to a 15 year mortgage on 10/23 turned in all paper work and showed all income. She said it was approved so i went and paid 450 for an appraisal. It was getting close to the 30 days rate lock and no one had contacted me. I had...
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1.7
I liked
  • Website to upload doc
I didn't like
  • Being misled and wasting my money
#964367
Reply to reviews
I contacted Sebonic/Cardinal Mortgage on 10/14/16. Loan processor sent in refinance application. I provided my income and debt and was approved for a 15 year refi. I provided countless of documents underwriting required. I paid for an appraisal that they required. I...
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I didn't like
  • Unapologetic
  • Unorganized
  • Could not close the transaction
#964094
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Bait and switch. After three months of waiting to get an appraisal , limited communication and multiple excuses, I found out today that this company wanted to charge me an additional $3500.00 for an appraisal that had wrong information about my address. There were...
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#963861
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I initially received 10/1 arm and 30 year terms for refinance. i wanted the 10/1 ARM and submitted all information, agree to a credit check. I thought I was on good terms after the phone call with Victoria. this is when things took a turn. 1. Paperwork was for 30...
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Anonymous
Carla

Wow! I am dealing with Victoria Palella right now and have had nothing but misery, misleading and down and out lying.Sebonic did a great job with my first loan but Victoria i...

#947197
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Truly the Best!! From the time that I initially applied until the time I had final "clear to close" was 3 weeks. I closed exactly 4 weeks from the date I applied. I chose Sebonic over other lenders because of their great rates and loan features. They proved to me...
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Anonymous
Anonymous

Must be her mom

5.0
I liked
  • Easy online process
  • Very professional
  • Easy process
#936551
Reply to reviews
I heard they used to be good. Great rates at least. Now I filled in the online forms in return for being promised a quote. All I received was a phone call and email asking for the same info again. Where did my initial inquiry go? Why did you have me fill out all the...
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1.0
I didn't like
  • Entire experience
#935977
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The worst mortgage company I have ever experienced through multiple refinancing. They did not appear at the closing. Either they did not pay the tax on time, so I paid the penalty for the property tax. If I call the service department, they are saying that it is my...
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Anonymous
Herbie

I agree with this post 100%. They appear to not know what they are doing, although they do come on strongly in the beginning, locking a rate that will later increase, because ...

2.0
I didn't like
  • Run around
  • Unprofessional
  • Lies
#932604
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