Filter by rating
filters
State:
Show
City:
Show
Product:
Show
1.0
Details
To whom it may concern- I worked with a Joe Perkins to close on a cash-out refinance for my mortgage and I am not pleased with the outcome; I started working with him in Feb of this year based on his proforma, I moved forward and incurred costs associated with the...
View full review
Review
#736359 Review #736359 is a subjective opinion of poster.
Reason of review
Bad quality
Loss
$900
Preferred solution
Full refund
Resolved
3.4
Details

Update by user Nov 05, 2015

As I promised, I retract (most) of my review of Sebonic/Cardinal Financial. We closed on our mortgage refinance this morning, as scheduled.

We got in "under the wire" on the 30 day rate lock (which would have expired today. I did have to carefully review the paperwork...

View full review
2 comments
Anonymous
#1057274

Any new updates on your situation?

View more comments
Review
#724971 Review #724971 is a subjective opinion of poster.
Cons
  • Delays and redundant requests for information
  • Total lack of communication
Reason of review
Problems with payment
Tags
  • sebonic scam
The other negative reviews are spot on. I wish that my wife and I had read them first. Found Sebonic through Lending Tree. Seemed like a good rate and the salesperson was helpful. After the process began, things began to DRAG. Appraisal took a week. Initial...
View full review
Review
#724618 Review #724618 is a subjective opinion of poster.
Reason of review
Order processing issue
1.0
Details
Now we have lost our earnest money, even though I did everything I could to make this loan work. Two thousand dollars that I want repaid to me from Sebonic. I won't stop because I hate how huge corporations in this country think that they can get away with whatever...
View full review
2 comments
Anonymous
#1082105

What happened? Are you a first time home buyer? Did they decide to not follow through on the ore qualifications?

View more comments
Review
#721130 Review #721130 is a subjective opinion of poster.
Pros
  • Believing that i would own a home for half a second
Cons
  • Lies
  • Run around
  • Misrepresentation
Reason of review
terrible service, lies, fraud, and runaround never ended. Mistreated, and disrespected, and robbed.
Loss
$7000
Preferred solution
Full refund
Tags
  • Sebonic mortgage
1.4
Details
I'm in my 60s and over the years I've bought, sold and financed residential and commercial real estate. This was hands down THE WORST experience ever with a mortgage company. They are incompetent, failing to understand the nature of the underlying mortgages that were...
View full review
Review
#721080 Review #721080 is a subjective opinion of poster.
Pros
  • Being able to upload documentation online
Cons
  • Fees for rate lock extensions
  • Delays and redundant requests for information
  • Not understanding existing mortgage
Reason of review
Poor customer service
Loss
$30000
Preferred solution
Let the company propose a solution
Tags
  • Refinance Loan
5.0
Details
Was worried we wouldn't meet the rate lock date, but everything went as planned and we closed on time. I do wish places did a 45 day rate lock to relieve some of the pressure, but I guess this is industry norm. Get them requested documents in a timely manner, and...
View full review
2 comments
Anonymous
#1048654

Am a real customer. Refinanced my two loans into one, one regular and one with a balloon.

Was happy to get it done with no problems. Read this site and was worried, but my experience was positive, and I think people should have the positive experiences as well, so its fair.

Obv people are more likely to post on here if its negative, so this is more of a one sided complaint site, but that's fine.

View more comments
Review
#714702 Review #714702 is a subjective opinion of poster.
Pros
  • Easy online process
  • Very professional
  • Low rate
Reason of review
Fair pricing
DO NOT PURSUE A LOAN WITH THIS COMPANY. YOU WILL BE ROBBED. One day before closing and they tell us they cant go through with the loan because they "dont feel comfortable". I have met all FHA guidelines and requirements, provided every scrap of information and...
View full review
4 comments
Anonymous
#1075755

DO NOT PURSUE A LOAN WITH THIS COMPANY.YOU WILL BE ROBBED.

Extremely unhappy with the service. do not use this service.

View more comments
Review
#713627 Review #713627 is a subjective opinion of poster.
Pros
  • Initial response
Cons
  • Not sure they told the truth
  • Being mislead
  • Runaround to get my mortgage closed
Reason of review
Fraudulent claims
Loss
$1500
Preferred solution
Full refund
Tags
  • Mortgage Loan Cardinal Sebonic
4.3
Details
I had read the reviews here and was concerned, but they were the only option that said they could close in the time frame we needed. I called in for the mortgage application and 28 days later closed on the house with no changes to the rate or costs from what was...
View full review
Review
#701571 Review #701571 is a subjective opinion of poster.
Reason of review
On time delivery
1.7
Details
Like others have said, they are great to work with initially but kept adding costs. The appraisal cost went up because we were considered rural when we aren't. Then the appraisal came back a little lower than expected and they couldn't do the cash out because loan to...
View full review
Review
#699568 Review #699568 is a subjective opinion of poster.
Pros
  • Rate
Cons
  • Runaround to get my mortgage closed
Reason of review
Poor customer service
Loss
$20000
Preferred solution
Let the company propose a solution

Sebonic Financial Payment Option Review

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.
View full review
Review
#698498 Review #698498 is a subjective opinion of poster.
Reason of review
Bad quality