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I contacted Sebonic financial for a re-fi to a 15 year mortgage on 10/23 turned in all paper work and showed all income. She said it was approved so i went and paid 450 for an appraisal.

It was getting close to the 30 days rate lock and no one had contacted me. I had to contact them for them to tell me my debit to income ratio was not good after she said it was ok and i had a tentative closing date. very unhappy. I could have used the 450 for Christmas for my kids instead of them being a fraud.

The rep said they would include my rental income and she would contact me but the rate would be higher. this is bs.

Product or Service Mentioned: Sebonic Financial Mortgage Refinance.

Reason of review: Poor customer service.

Monetary Loss: $450.

I liked: Website to upload doc.

I didn't like: Being misled and wasting my money.

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