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I applied for refinance my home and this company told me $1000 of closing costs. Took extra for appraisal and their own people did appraisal. They appraised below the market value and company asked me to pay $3500 for closing costs and said your home value is less. ...
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Anonymous
Anonymous

That is not how it works with the appraisals...all appraisals are third party, they have no control of what the appraisals come back as. When they come back low then you are ...

Anonymous
Anonymous

You are not the only one to experience very poor service. They SUCK!

1.0
I didn't like
  • Being misled
  • No idea what they are doing
#898644
Reply to reviews
The initial communication with my loan originator Miyone Ennis was positive. Within 3 days, I had a list of documents to upload/fax and an appointment with my loan processor Adam Taylor. The teleconference with Adam was straightforward. The process for...
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2.0
Williston,Florida
I liked
  • Interest rate
  • Website
I didn't like
  • Zero returned calls after repeated tries
  • Unexpected costs day of closing
  • Duplicate requests for documents
#863911
Reply to reviews
I used to work for a mortgage brokerage as a software engineer - I'm not going to mention the name, but they even did a better job at guiding their customers through the process and they were far from perfect. I would like to think that I'm one of the customers a...
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Anonymous
Anonymous

You are correct , they do not know what they are doing and very poor knowge about refi or loan process. Stay away from sebonic and its affiliates. They will waste your time an...

Anonymous
Anonymous

I'm no expert but 760 score is the number they like and if you are getting mortgage ins that tells me you don't have 20% down payment which tells me you are trying to buy to m...

1.4
I liked
  • Time wasted
I didn't like
  • Misleading
  • Incompetency
  • Dishonesty
#862141
Reply to reviews
Sitting right now at closing. We've been sitting here for 2 1/2 hours, still waiting on Cardinal Financial (Sebonic's mortgage half) to get their act together. We had notification that the funds were released, but they required some code on the paperwork they failed to...
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Anonymous
Blanca

Looking @ sebonic for refinance in Chicago- We have been recommended to Jason Lambert He appears to be very thorough and receptive Who did you work with?

Anonymous
Anonymous

I hope others will learn to not use Sebonic because they will get your hopes up at the end. They are not profesonal at all, I know, they tried to screw me. Go with a local cre...

2.5
#851572
Reply to reviews
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
  • Could not close the transaction
  • No idea what they are doing
  • Being mislead
#821034
Reply to reviews
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
Reply to reviews
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
  • Interest rate
  • Very professional customer service
I didn't like
  • Delays and redundant requests for information
  • Runaround to get my mortgage closed
#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
Reply to reviews
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
Reply to reviews