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I filed an application for out-of-state mortgage pre-approval through Sebonics. Never heard back from the mortgage originator.I emailed him twice and called and left a message. Finally, I complained on Sebonics web site about poor customer service. I was told the ...
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#847331
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I don't even know where to begin. My experience with Sebonic Financial (Cardinal Financial) was an exercise in ridiculousness. My refi should have been so easy...40% LTV, great credit and assets, etc. They could not get it done. First they said the appraiser told...
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Anonymous
Anonymous

I have had a very similar experience and they just can't pull their heads out of the sand to get anything done right. Processor and underwriter do not know anything about the ...

I didn't like
  • No idea what they are doing
  • Unprofessional
  • Being mislead
#821034
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Just received a call from this company saying that I somehow received a deposit from there company almost six years ago. When I tried to ask what is going on and why I was receiving calls from their company, when this is the first time I have ever heard about a loan...
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Anonymous
Anonymous

I had inquired about a re-finance with Sebonic. Their 30 year fixed rate was higher than a local Brick & Mortar bank nearby--whom I chose to do business with. The reason for m...

Anonymous
Anonymous

If it isn't you just ignore them.

#819863
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We are presently going through the process with Sean Mahar at Sebonic. The communication, professionalism and his knowledge of the process has been far above what I would've expected, based on overall reviews of the home loan process.Cardinal Financial is apparently...
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Anonymous
Anonymous

You are doing the right thing. Do not give them the extra money, because this is their modus operandi: Do not close by the end of the lock period and make extra money on the e...

Anonymous
Anonymous

The underwriters do not know what they are doing. They require unrealistic demands. Warning stay away from this company. They really don't care and they will take you for a ri...

3.0
I liked
  • Very professional customer service
  • Interest rate
I didn't like
  • Runaround to get my mortgage closed
  • Delays and redundant requests for information
#805367
Reply to reviews
I am the buyers agent on a Sebonic loan and the communication is horrible. I emailed last week to make sure we were on schedule to close today and the answer was yes...well today is the day and we haven't closed yet and probably won't. Yesterday their system was...
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1.0
I didn't like
  • Total lack of communication
#800814
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Second time around with Cardinal and just as disappointed if not more so than the 1st. Simple straight-forward refinance with cash out that turned into a juvenile fiasco of mortgage processes. The rep doesn't know basic mortgage terms, couldn't intelligently inform...
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Anonymous
Anonymous

I am about to do the same thing as You. Had the same experience as You, perhaps worse and also like You for the second time. Shame on me for giving these morons a second chanc...

1.0
#786268
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I was quoted 4500 in closing costs on a loan and was finally given an estimate of 12K. Very shady company. They made huge mistakes in the closing costs update and it keeps getting higher. Their requirement for paperwork is unrealistic and frustrating. I had to refax...
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#784785
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I worked with Joe Perkins to refinance my house and I was very pleased the way he handled ito whom I worked with a Joe Perkins and Mark to refinance for my house and I was very pleased with the outcome. I started working with Joe in December of 2015 and I closed...
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Anonymous
Apersonwhofinishedthirdgrade

You're a B.S. artist! Beverly Hills, California? I doubt it! Homes in that town start in the seven figure range, and you can't even spell. Nor do you have enough sense to corr...

4.7
I liked
  • Very professional customer service
  • Stright forward with billing and no hidden fee
  • Being able to upload documentation
#783375
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The closer sends you a customer care number and good luck ever talking to him again, until you're finally so frustrated you move the loan. The processor had no idea what she was doing and I have this in an email. You call into a call center like Att however Att does...
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Anonymous
Anonymous

You summarized just some of the problems with Sebonic/Cardinal Financial to the tee. Same experience as mine. Stay away from these people!

1.3
#775447
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I had a 3 month long painful experience with Sebonic. I started with Cardinal Financial and they transferred my loan to this company when I tried to refinance a rental property. I actually started the process of purchasing a house with a local mortgage company one week...
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Anonymous
Anonymous

Had the exact same issues. Delays , Rate extensions , no idea what they are doing, way to much paperwork for refinancing a loan , the amount of ridiculous questions that do no...

1.0
I didn't like
  • No idea what they are doing
  • Being mislead
  • Fees for rate lock extensions
#755150
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