State: North Carolina Clear all filters (13 of 107 reviews match)
filters
State:
City:
Show
Product:
Show
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.
Anonymous
Anonymous

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

1.3
#1228099
Reply to reviews
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 didn't like
  • Fees for rate lock extensions
  • Being mislead
#1117592
Reply to reviews
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.
I didn't like
  • Unprofessional
  • Unapologetic
  • Could not close the transaction
#964094
Reply to reviews
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.
Anonymous
Anonymous

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 ...

Anonymous
Anonymous

Thats a great amount of detail. Sounds kinda like someone from the company trying to save face. Sorry but getting everything to them on time did nothing to prevent exactly wha...

5.0
I liked
  • Very professional
  • Easy online process
  • Low rate
#714702
Reply to reviews
Show

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.
#694790
Reply to reviews
Show

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.
#667312
Reply to reviews
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.
Anonymous
Anonymous

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.

1.2
I didn't like
  • No idea what they are doing
  • Total lack of experience
  • Total lack of communication
#631575
Reply to reviews
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.
1.8
I didn't like
  • Brent bonner
#628203
Reply to reviews
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...
Read more
Company wrote 0 public responses to the review from Mar 05, 2015.
Anonymous
Anonymous

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

1.0
I didn't like
  • Timely delivery
  • Lies
  • Being mislead
#603872
Reply to reviews

Contact Sebonic Financial

Mailing Address:
Sebonic Financial
3701 Arco Corporate Drive, Suite 200
Charlotte, North Carolina 28273
United States
Phone:
(855) 561-4944
More

Sebonic Financial Products and Services

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.
1.3
#546660
Reply to reviews