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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
  • Unprofessional
  • Could not close the transaction
  • Unapologetic
#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
  • Best rate
  • Easy process
  • Very professional
#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
Reply to reviews
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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This company advertises attractive rates, but has poor service. The appraiser they sent was here for maybe 20 min and the resulting appraisal had numerous omissions and inaccuracies on my home and the neighborhood, which resulted in a low Loan-To-Value number. I...
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Anonymous
Just Saying

Industry insider, it may not be the fault or the lender that the appraiser came up with a low value, but it is the fault of the lender that they dd nothing when the borrower c...

Anonymous
industry insider

Just FYI, Appraisers don't work for the Lender. They are an independent firm and the lender must comply with strict rules as to avoid steering them to a value. The appraisal...

1.0
I didn't like
  • Excessive rate lock extensions outside of borrowers control
  • Delays and redundant requests for information
  • Timely delivery
#922088
Reply to reviews
I went to this company because of a online advertised rate. I have 800+ credit scores across all bureaus and currently earn $110-$125,000 now and annually for the past 10 years. I applied for a conventional loan 30 year fixed and was issued a valid pre-approval letter...
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Anonymous
Anonymous

Sebonic financial bank sucks!!! Worst bank to try to refinance.

Anonymous
Vinod

What was the change in rates and fees after they switched processor?

I didn't like
  • Incompetency
#910814
Reply to reviews
Do not call this company. They give you the run around and do not show any compassion. They should go out of business. Please stay away!!
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Anonymous
Anonymous

How about given details instead of trolling! I can't stand how people want to post things about a company but yet really have nothing to say. So many people will come on to ...

1.0
Albany,Louisiana
#910772
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Warning ! Do not use this company! They lack knowledge about VA refi program and will put you through unnessasary stringent requirements. Even if you have perfect credit. They don't respect the military nor do they understand how the military works or the VA loan...
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Anonymous
Anonymous

Yep! I have to agree.

1.3
I didn't like
  • Big sales talk - no follow through
#900163
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