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2.3
Details
I initiated a loan with Cardinal/Sebonic in March, 3 months ago. To summarize, I am not at all pleased and feel this company is incredibly slow and at times borderline incompetent. I disclosed a potential credit issue to the loan officer up front and asked that she...
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Review
#652458 Review #652458 is a subjective opinion of poster.
Pros
  • Interest rate
Reason of review
Poor customer service
Loss
$500
Preferred solution
Deliver product or service ordered

Sebonic Financial in King County, Washington - Wish I read reviews first, don't use Sebonic/Cardinal

1.0
Details
I was shopping for a refi and requested a call. Charming loan officer said he could get me a loan after looking at my credit report, score high 700s. Sent all docs within a few hours of request. They lose them or claim they didn't get there. No contact for weeks, then want something else. Five days to end of lock they want termite inspection, which I had never been asked to get! $300! Did it. Two days to go and they re still dithering. They want to charge lock extension fee of .125% of the loan. No thank you!
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2 comments
Anonymous
#953023

That's what they do - lock people in and charge them extension fees when they cannot close in time. You are a fool if you do business with these guys.

There are plenty of other lenders that are better to work with.

Anonymous
#954262
@Hosed

You are absolutely correct. They only lock your rate in for 30 days when they know they cannot get you closed that quickly.

They will offer you the lowest deal up front knowing they'll make it up on the back end. Any loan officer worth a *** wouldn't even discuss a 30 day lock with you right now.

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Review
#597154 Review #597154 is a subjective opinion of poster.
Pros
  • Initial response
  • Interest rate
Cons
  • Not sure they told the truth
  • Customer service
  • Timely delivery
Reason of review
Problem with delivery
Loss
$1000
Preferred solution
Full refund
To whom it may concern, This is a very detailed evaluation and review of services that were provided by Cardinal Financial for a mortgage loan. This is MY personal experience and opinion as a first time home buyer. Please note, this review is intended to express my...
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4 comments
Anonymous
#897464

Had same issue with this Cardinal, took me 6 months from start to "threat", to complete. Had to tell them I would stop this transaction, and look elsewhere with different company (like Quicken), in order for them to finalize the deal.

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Review
#510160 Review #510160 is a subjective opinion of poster.
Tags
  • disloyal
  • 1st time home buyers
Called Sebonic Financial in regards to a mortgage quote on zillow.com. They quoted me something very different than what they were showing on the site. These guys are shady and not to be trusted. Sounds like they just want to charge you for an appraisal and run off...
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57 comments
Anonymous
#1163117

I got a quote from them thru Lending Tree.

By the way, my money is NOT hard earned, does that make a difference?

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Review
#413355 Review #413355 is a subjective opinion of poster.
Tags
  • Sebonic mortgage
  • sebonic scam

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