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1.9
Details
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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1 comment
Anonymous
#1263131

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

Review
#982503 Review #982503 is a subjective opinion of poster.
Reason of review
Order processing issue
1.0
Details
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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Review
#971089 Review #971089 is a subjective opinion of poster.
Cons
  • Trapping
  • Unfair fees for rate lock extensions
  • Lack of communication
Reason of review
Poor customer service
Loss
$475
Preferred solution
Full refund
Tags
  • Trap
1.7
Details
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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Review
#964367 Review #964367 is a subjective opinion of poster.
Pros
  • Website to upload doc
Cons
  • Being misled and wasting my money
Reason of review
Poor customer service
Loss
$450
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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Review
#964094 Review #964094 is a subjective opinion of poster.
Cons
  • Unorganized
  • Could not close the transaction
  • Unapologetic
Reason of review
Poor customer service
Loss
$475
Tags
  • Sebonic mortgage
  • Refinance Loan
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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Review
#963861 Review #963861 is a subjective opinion of poster.
Reason of review
Poor customer service
Preferred solution
Let the company propose a solution
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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1 comment
Anonymous
#1237964

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 is giving them a bad name!!!

Review
#947197 Review #947197 is a subjective opinion of poster.
Reason of review
Poor customer service
Preferred solution
Let the company propose a solution
Tags
  • Incomplete Mortgage App
5.0
Details
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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2 comments
Anonymous
#1277617

Must be her mom

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Review
#936551 Review #936551 is a subjective opinion of poster.
Pros
  • Best rate
  • Easy online process
  • Very professional
Reason of review
Good quality
Tags
  • Mortgage Loan Cardinal Sebonic
1.0
Details
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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Review
#935977 Review #935977 is a subjective opinion of poster.
Cons
  • Entire experience
Reason of review
Order processing issue
2.0
Details
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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1 comment
Anonymous
#1223777

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 they are unable to close within the time promised.

I further suspect that their not closing on time technique is deliberate, they will ask for more money if a loan does not close on time, regardless whose fault it is.

I called them today after 9 weeks and while waiting for a closing date, asking them to cancel my loan application. I could tell You more detail about my experience with them, I refinanced twice with them, but all I want to say here is STAY AWAY FROM THIS COMPANY!

Review
#932604 Review #932604 is a subjective opinion of poster.
Cons
  • Run around
  • Unprofessional
  • Lies
Reason of review
Poor customer service
Loss
$200
Preferred solution
Full refund
1.0
Details
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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2 comments
Anonymous
#1233414

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 complained that appraiser got the information wrong. I recently had a similar case (another company) where the appraise said my house had 2 1/2 baths (it has 3 1/2 baths - the appraiser literally forgot to list the master bath or take pictures of it) and stated on the appraisal that the comps were bad because no houses in our neighborhood had been sold in the past 2 years (the house next door sold 4 months ago - and one across the street sold last year). The appraisal came in OK for our refinance so all was OK, but we complained none the less and were told - no big deal, we use this appraiser all the time (yet they estimated his costs low by $100 - huh?)

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Review
#922088 Review #922088 is a subjective opinion of poster.
Cons
  • Timely delivery
  • Delays and redundant requests for information
  • Excessive rate lock extensions outside of borrowers control
Reason of review
Poor customer service
Loss
$425
Preferred solution
Full refund