Product: Sebonic Financial Refinance Clear all filters (12 of 12 reviews match)
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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, I sensed it was a scam because the...
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Review
#1117592 Review #1117592 is a subjective opinion of poster.
Service
Sebonic Financial Refinance
Cons
  • Being mislead
  • Fees for rate lock extensions
Reason of review
Pricing issue
Loss
$500
Preferred solution
Full refund
Tags
  • sebonic scam
1.0
Details
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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1 comment
Anonymous
#1222907

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 *** a second chance. there are plenty other efficient mortgage services with good track records available.

Review
#786268 Review #786268 is a subjective opinion of poster.
Service
Sebonic Financial Refinance
Reason of review
Bad quality
Loss
$475
Preferred solution
Let the company propose a solution
1.3
Details
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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1 comment
Anonymous
#1222911

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

Review
#775447 Review #775447 is a subjective opinion of poster.
Service
Sebonic Financial Refinance
Reason of review
Poor customer service
1.0
Details
To whom it may concern- I worked with a Joe Perkins to close on a cash-out refinance for my mortgage and I am not pleased with the outcome; I started working with him in Feb of this year based on his proforma, I moved forward and incurred costs associated with the...
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Review
#736359 Review #736359 is a subjective opinion of poster.
Service
Sebonic Financial Refinance
Reason of review
Bad quality
Loss
$900
Preferred solution
Full refund
1.7
Details
Like others have said, they are great to work with initially but kept adding costs. The appraisal cost went up because we were considered rural when we aren't. Then the appraisal came back a little lower than expected and they couldn't do the cash out because loan to...
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Review
#699568 Review #699568 is a subjective opinion of poster.
Service
Sebonic Financial Refinance
Pros
  • Rate
Cons
  • Runaround to get my mortgage closed
Reason of review
Poor customer service
Loss
$20000
Preferred solution
Let the company propose a solution
1.0
Details
I signed up for the refinance process with Sebonic because they had the lowest rate and low costs. Once you start this process and pay them for the appraisal (the day the sales person closes), you find out that they are not responsive at all. The reason this is...
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Review
#694214 Review #694214 is a subjective opinion of poster.
Service
Sebonic Financial Refinance
Pros
  • Interest rate
Cons
  • Not sure they told the truth
  • Being mislead
  • Communication
Reason of review
Bait and Switch
2.3
Details
Sebonic (really, it's Cardinal - they hand you off to another company without any introductions or warning) has good rates. They are cheap. That's it. I had an awful experience with my refinance. AMAZING communication, right up to the point you lock a rate in. Then you...
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Review
#644962 Review #644962 is a subjective opinion of poster.
Service
Sebonic Financial Refinance
Pros
  • Interest rate
Cons
  • Total lack of communication
  • Being mislead
  • No idea what they are doing
Reason of review
Bad quality
Preferred solution
Let the company propose a solution
Tags
  • Sebonic mortgage
  • Mortgage Loan Cardinal Sebonic
Due to the low rate and overwhelming response to refinance they were ill equipped to handle the influx of refi's. My loan sat unattended for 30 days after I sent them all the paperwork they required. They finally asked for a final payoff amount from my current lender...
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3 comments
Anonymous
#990360

FHA does not charge a full month of interest anymore they do prorate it so I would gte with your attorney. Just a thought

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Review
#642704 Review #642704 is a subjective opinion of poster.
Service
Sebonic Financial Refinance
Reason of review
Problems with payment
1.0
Details
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...
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1 comment
Anonymous
#1234623

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

Just one? Anyone?

Review
#603872 Review #603872 is a subjective opinion of poster.
Service
Sebonic Financial Refinance
Cons
  • Lies
  • Timely delivery
  • Being mislead
Reason of review
Not as described/ advertised

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

Sebonic Financial in Cupertino, California - Worst experience ever!

1.0
Details
Several delays in processing the loan despite proof that the loan docs were sent via fax. There were many many delays from the firm about my loans. The email from the manager said that she would respond but she was overloaded because all of her team was on vacation. On the day before the loan closing, they told me about a problem and that it would cost $3000. They basically had my back to the wall. They took out money from my escrow and didn't give it to the bank. Stacey Pagan said that they would pay the property taxes and didn't. They are truly unprofessional and a scam. Don't do your mortgage with them!!!
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Review
#562058 Review #562058 is a subjective opinion of poster.
Service
Sebonic Financial Refinance
Reason of review
Poor customer service
Loss
$3000
Preferred solution
Full refund