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John Bennett, our initial contact, was great: not pushy, came through with what he promised, nice to talk to, etc. once we made the deposit and were put in the care of Cardinal financial, things went South in a hurry. Rather than writing a extensive review, I will give...
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6 comments
Anonymous
#1223784

That sounds like Cardinal. Do stay away from these folks or You may regret it!

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Review
#525351 Review #525351 is a subjective opinion of poster.
Reason of review
Poor customer service
Loss
$2000
To whom it may concern, This is a very detailed evaluation and review of services that were provided by Cardinal Financial for a mortgage loan. This is MY personal experience and opinion as a first time home buyer. Please note, this review is intended to express my...
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4 comments
Anonymous
#897464

Had same issue with this Cardinal, took me 6 months from start to "threat", to complete. Had to tell them I would stop this transaction, and look elsewhere with different company (like Quicken), in order for them to finalize the deal.

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Review
#510160 Review #510160 is a subjective opinion of poster.
Tags
  • disloyal
  • 1st time home buyers

Sebonic Financial - No issues at all

5.0
Details
Sitting at the closing table right now....John Ruskin was is our Loan Officer and was on top of everything! Attorney even stated it was the lowest rate that he has seen and couldn’t believe how low the lender fees are....as a former loan officer myself I have to say that John Ruskin went over and above to take care of us. Minor delay with processing and closing department but Mr. Ruskin got it straightened out almost immediately. I highly recommend him and Sebonic!
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Review
#1663962 Review #1663962 is a subjective opinion of poster.
Pros
  • Very professional
  • Easy process
  • Low rate
Reason of review
Good 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...
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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
1.8
Details

Update by user Jun 27

Sebonic did contact me via email. And confirmed by their actions that they could not reply in a timely manner nor understand a simple question.

( Did you receive a hard copy of the appraisal?) I had to ask that repeatedly before she finally got it. After telling them...

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Review
#1544748 Review #1544748 is a subjective opinion of poster.
Cons
  • Responsiveness
  • Could not close the transaction
  • Communication skills
Reason of review
Bad quality
Tags
  • Unprofessional
  • incompetent
1.4
Details
Nightmare nightmare!!!! RED FLAGS everywhere!!! We worked with a guy named Jason L In the beginning, we are promised that Cardinal Finacial will honor the quote they gave us. LIES!!!! I had to send them screenshots, copies of all their quotes and promises. Once they...
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Review
#1166615 Review #1166615 is a subjective opinion of poster.
Pros
  • Rates
Cons
  • Run around
  • Communication
  • Runaround to get my mortgage closed
Reason of review
contract not honored
Loss
$341300
Preferred solution
Full refund
Tags
  • dishonest
  • disloyal
1.9
Details
Our loan originator was Michael Brown. We were purchasing an investment property (little house, with a triplex on the same parcel). Loan was approved, offer approved, I paid the appraisal fee within 5 days of offer acceptance, paid the EMD, got the inspections,...
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Review
#1310642 Review #1310642 is a subjective opinion of poster.
Cons
  • Unorganized
  • Unprofessional
  • Total lack of communication
Reason of review
Loan Originator failed to follow through on my loan for investment property purchase, lost deal because of it.
Loss
$975
Preferred solution
Full refund
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...
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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
1.9
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

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
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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6 comments
Anonymous
#1284054

Sebonic financial bank sucks!!! Worst bank to try to refinance.

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Review
#910814 Review #910814 is a subjective opinion of poster.
Cons
  • Incompetency
Reason of review
Bait and Switched
Tags
  • sebonic scam