Product: Sebonic Financial Refinance Clear all filters (0 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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Product
Sebonic Financial Refinance
I didn't like
  • Being mislead
  • Fees for rate lock extensions
#1117592
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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
Product
Sebonic Financial Refinance
#786268
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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
Product
Sebonic Financial Refinance
#775447
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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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1.0
Product
Sebonic Financial Refinance
#736359
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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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1.7
Product
Sebonic Financial Refinance
I liked
  • Rate
I didn't like
  • Runaround to get my mortgage closed
#699568
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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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1.0
Product
Sebonic Financial Refinance
I liked
  • Interest rate
I didn't like
  • Not sure they told the truth
  • Being mislead
  • Communication
#694214
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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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2.3
Product
Sebonic Financial Refinance
I liked
  • Interest rate
I didn't like
  • No idea what they are doing
  • Total lack of communication
  • Being mislead
#644962
Reply to reviews
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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Anonymous
Anonymous

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

Anonymous
Anonymous

I thought refi have a 3 business day rescission.

Product
Sebonic Financial Refinance
#642704
Reply to reviews
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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Anonymous
Anonymous

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

1.0
Product
Sebonic Financial Refinance
I didn't like
  • Timely delivery
  • Lies
  • Being mislead
#603872
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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. ...
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1.0
Product
Sebonic Financial Refinance
#562058
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