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The reviews saying they are terrible are not totally wrong, but I can attest that Cardinal/Sebonic is not a scam. They truly do offer incredible rates if you are willing to wade through the delays and terrible customer service. It can be worth it for some people, the key is knowing what you're getting into.

Will they reply to your emails promptly? No

Will they hold your hand if you get confused? No

Will they try to add extra fees to your loan? Yes

But will you get a great rate? Yes, if you're patient

Overall Go with Quicken Loans

I didn't like: Bad experience.

Review #954839 is a subjective opinion of a user.

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Reason of Review / Monetary Loss Poor customer service / $11
Preferred solution Let the company propose a solution

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