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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
  • Timely delivery
  • Excessive rate lock extensions outside of borrowers control
  • Delays and redundant requests for information
#922088
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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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Sebonic Financial Loan Review

Sebonic Financial
#667312
The loan was delayed even though contract was written 3 months prior, excellent credit score. Customer service was terrible and closing was delayed due to lack of responsiveness. Warning- Do not be fooled by their low rates. You will end up paying for it one way or another!
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Sebonic Financial Mortgage Review

Sebonic Financial
#645122
1.7
Details
I wish I had seen this site before I dealt with them. Was attracted by the best rate advertised, I got an application. Spent a lot of time filling out app and giving all kinds of private info. Our rep Doug Stephenson from Henderson LV never returned call, I sent email, never replied. Well, maybe it's a blessing but what a waste of time!!
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Customer service
Product or Service Quality
Website
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
Reply to reviews
I applied for refinance my home and this company told me $1000 of closing costs. Took extra for appraisal and their own people did appraisal. They appraised below the market value and company asked me to pay $3500 for closing costs and said your home value is less. ...
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Anonymous
Anonymous

That is not how it works with the appraisals...all appraisals are third party, they have no control of what the appraisals come back as. When they come back low then you are ...

Anonymous
Anonymous

You are not the only one to experience very poor service. They SUCK!

1.0
I didn't like
  • Being misled
  • No idea what they are doing
#898644
Reply to reviews
The initial communication with my loan originator Miyone Ennis was positive. Within 3 days, I had a list of documents to upload/fax and an appointment with my loan processor Adam Taylor. The teleconference with Adam was straightforward. The process for...
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2.0
Williston, Florida
I liked
  • Website
  • Interest rate
I didn't like
  • Zero returned calls after repeated tries
  • Duplicate requests for documents
  • Unexpected costs day of closing
#863911
Reply to reviews
I used to work for a mortgage brokerage as a software engineer - I'm not going to mention the name, but they even did a better job at guiding their customers through the process and they were far from perfect. I would like to think that I'm one of the customers a...
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Anonymous
Anonymous

You are correct , they do not know what they are doing and very poor knowge about refi or loan process. Stay away from sebonic and its affiliates. They will waste your time an...

Anonymous
Anonymous

I'm no expert but 760 score is the number they like and if you are getting mortgage ins that tells me you don't have 20% down payment which tells me you are trying to buy to m...

1.4
I liked
  • Time wasted
I didn't like
  • Incompetency
  • Communication
  • Cant understand numbers
#862141
Reply to reviews
Sitting right now at closing. We've been sitting here for 2 1/2 hours, still waiting on Cardinal Financial (Sebonic's mortgage half) to get their act together. We had notification that the funds were released, but they required some code on the paperwork they failed to...
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Anonymous
Blanca

Looking @ sebonic for refinance in Chicago- We have been recommended to Jason Lambert He appears to be very thorough and receptive Who did you work with?

Anonymous
Anonymous

I hope others will learn to not use Sebonic because they will get your hopes up at the end. They are not profesonal at all, I know, they tried to screw me. Go with a local cre...

2.5
#851572
Reply to reviews
I filed an application for out-of-state mortgage pre-approval through Sebonics. Never heard back from the mortgage originator.I emailed him twice and called and left a message. Finally, I complained on Sebonics web site about poor customer service. I was told the ...
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#847331
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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...
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Anonymous
Anonymous

I have had a very similar experience and they just can't pull their heads out of the sand to get anything done right. Processor and underwriter do not know anything about the ...

I didn't like
  • No idea what they are doing
  • Could not close the transaction
  • Being mislead
#821034
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