State: North Carolina Clear all filters (14 of 110 reviews match)
filters
State:
City:
Show
Product:
Show
1.0
Details
We are extremely well qualified buyers. Purchasing property to move primary residence to then sell current property. Credit above 815, no foreclosures, no bankruptcies, no late payments, 40+year positive history. Own 2 properties with over 75% equity, have 200% needed...
View full review
1 comment
Anonymous
#1753859

So you wanted them to give you a loan without any verifiable income? You need to have an income - assets aren’t income.

Review
#1443989 Review #1443989 is a subjective opinion of poster.
Reason of review
Poor customer service
1.3
Details
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...
View full review
1 comment
Anonymous
#1486598

omg, always check reviews because it helps. and thank you to all the consumer who care and let other knows.

Review
#1228099 Review #1228099 is a subjective opinion of poster.
Reason of review
Problems with payment
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,...
View full review
Review
#1117592 Review #1117592 is a subjective opinion of poster.
Cons
  • Being mislead
  • Fees for rate lock extensions
Reason of review
Pricing issue
Loss
$500
Preferred solution
Full refund
Tags
  • sebonic scam
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...
View full review
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
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

Sebonic Financial Mortgage Review

Raised closing costs $1500 after submitting final documents. Of course this was less than 2 business days before scheduled closing.
View full review
Review
#694790 Review #694790 is a subjective opinion of poster.
Reason of review
Pricing issue

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!
View full review
Review
#667312 Review #667312 is a subjective opinion of poster.
Reason of review
Poor customer service

Sebonic Financial in Wilmington, North Carolina - Delayed closing, they don't know how titles work in NC

1.2
Details
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 company which is 4 times the cost for a reissue. They then dragged their feet saying that they have not been able to contact my title company, even though NC is an attorney closing state meaning that the attorney takes care of the title search and title work coordination with the title company. Today they just sent me a GFE that is $1400 more than before, for no reason!!!! They just add fees as they wish. I'm going to file a lawsuit for the lost interest rate which has now increased and the appraisal. They are extremely negligent and should not be operating. Their license should be pulled!!!
View full review
1 comment
Anonymous
#997098

You should report them to the North Carolina Commissioner of Banks (NCCOB). They don't know to look into these things unless you report the offending lender.

Review
#631575 Review #631575 is a subjective opinion of poster.
Cons
  • No idea what they are doing
  • Total lack of experience
  • Total lack of communication
Reason of review
neglegent
Loss
$595
Preferred solution
reimbursement of fees paid for appraisal or closing at the original No Fee GFE
Tags
  • disloyal
  • Neglegent
1.8
Details
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...
View full review
Review
#628203 Review #628203 is a subjective opinion of poster.
Cons
  • Brent bonner
Reason of review
Poor customer service
Preferred solution
Have the loan officer attend customer service trainig so he can learn to deal effectively with his counterparts in Real estate!
Tags
  • Mortgage Loan Cardinal Sebonic

Contact Sebonic Financial Customer Service

Mailing Address:
Sebonic Financial
3701 Arco Corporate Drive, Suite 200
Charlotte, North Carolina 28273
United States
Phone:
(855) 561-4944
All Sebonic Financial Contacts
1.0
Details
Sebonic Financial - What a joke!
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...
View full review
1 comment
Anonymous
#1234623

Has anyone out there found any company which isn't as thick as thieves to refinance with???

Just one? Anyone?

Review
#603872 Review #603872 is a subjective opinion of poster.
Cons
  • Lies
  • Timely delivery
  • Being mislead
Reason of review
Not as described/ advertised