(13 of 107 reviews match)
Latest review first
we were extremely well qualified buyers with 25% down payment (and several times the mortgage amount, liquid), full docs, 30+ year stable history, passive income, tremendous equity in other real estate, etc. we've both had countless mortgages over the years, fico in...Read more
Company wrote 0 public responses to the review from Apr 06.
I had all line up with a credit score over 800. They have there " appraisal" partner purposely value my home well under value. I just had initial appraisal not even 2 months within contacting Sebonic. 1) $500 for appraisal- wasted I argued that the appraiser was wrong,...Read more
Company wrote 0 public responses to the review from Oct 20, 2017.
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...Read more
Company wrote 0 private or public responses to the review from Nov 30, 2016.
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...Read more
Company wrote 0 public responses to the review from Oct 12, 2015.
- Very professional
- Easy online process
- Low rate
Sebonic Financial Mortgage Review
Raised closing costs $1500 after submitting final documents. Of course this was less than 2 business days before scheduled closing.
Company wrote 0 public responses to the review from Sep 05, 2015.
Sebonic Financial Loan Review
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!
Company wrote 0 public responses to the review from Jul 17, 2015.
Somehow Sebonic Financial ended up turning into Cardinal Financial who worked with me. I was close to my lock expiring and they extended it because they said the title company was giving them problems on my refi. I told them I never told them to use their title...Read more
Company wrote 0 private or public responses to the review from May 05, 2015.
I didn't like
- No idea what they are doing
- Total lack of experience
- Total lack of communication
As a Realtor selling homes for over 20 years in the Charlotte, NC area, & have worked with numerous lenders, I have NEVER dealt with such a difficult loan originator! Not only does Cardinal Financial & the parent company Sebonic make it extremely difficult to...Read more
Company wrote 0 public responses to the review from Apr 28, 2015.
I didn't like
- Brent bonner
I too have fallen victim to the "sure we can close your loan in less than 30 days" lie. When I originally shopped around other lenders were giving me 45 day lock quotes. I decided to go with Sebonic/Cardinal since they were the "cheapest". Well now that i'm stuck...Read more
Company wrote 0 public responses to the review from Mar 05, 2015.
Initial contact impressive then it went downhill with each lender inquiry being from a different person within Sebonic / Cardinal. (9 Nine different individuals + their own cloud) Lots of requests, emails, and work placed on the customer. The requested information...Read more
Company wrote 0 public responses to the review from Oct 15, 2014.
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