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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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Anonymous
Herbie

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

Anonymous
happyville

I'm just now starting the process. Is there anyone out there that has good things to say about this company?

#525351
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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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Anonymous
Anonymous

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 comp...

Anonymous
Caddyb

Terrible! And unprofessional...I wonder how much training will the "underwriter" clerk receive from this sad experience...Glad you got your new place!

#510160
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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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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
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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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1.4
I liked
  • Rates
I didn't like
  • Runaround to get my mortgage closed
  • Communication
  • Run around
#1166615
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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
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On October 1st, I pulled a loan from a lender to give to Sebonic Financial after finding an attractive rate through Bankrate.com. I was told by the loan officer that they could complete the loan in 30 days. I’d like to preface that my brother is co-borrower for this...
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Anonymous
Julia 1

We are actually in the same situation right now and as of today we are a week past closing due to them!!! I'm ready to join the fight!!!!

Anonymous
Herbie

Class action is a possibility here, but You would have to find a few hundred people who attest to having the same experience with Sebonic/Cardinal as You did. Their process of...

#575117
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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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Anonymous
Anonymous

You to they are a real joke all i can say people don't wast your time there shopping there.

1.9
#982503
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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,...
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I didn't like
  • Fees for rate lock extensions
  • Being mislead
#1117592
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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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1.9
I didn't like
  • Being misled
  • Total lack of communication
  • Unprofessional
#1310642
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Contact Sebonic Financial

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

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These people are a pack of idiotic buffoons. After making me wait more then 90 days, they sent me an email stating that they were not able to document where the cash deposits on my bank statements came from. Clearly the income was shown on my tax returns that they...
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