PissedConsumer.com strives to provide consumers with the right information to make informed purchasing decisions. Our website collected and compiled various consumer reviews about Sebonic Financial and Amerisave as well as customer ratings and recommendations for these brands. Each brand score is calculated based on set of relevant criteria and displays company performance over time.

Amerisave

Amerisave

Has Verified Representatives
1.6
Sebonic Financial
Amerisave

Sebonic Financial and Amerisave Overview

Total reviews
110
164
Company responses
0
14
Issues resolved
1
1

Sebonic Financial and Amerisave Consumer Ratings

Rank
85 out of 883 in Loans and Mortgages category
130 out of 883 in Loans and Mortgages category
Customer service
117 in category
140 in category
Product or Service Quality
86 in category
138 in category
Interest Rate
39 in category
74 in category
Website
68 in category
120 in category

Sebonic Financial and Amerisave Rating Details

Customer service
1.5 (59 reviews)
1.3 (34 reviews)
Reviewer's quote

...Zero customer service. If you like babysitting and calling into a cs call center or if you can do the loan yourself then this is the lender for you. I've owned several homes and refinanced several times as well and this is by far the absolute worst experience I have ever had...

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...How any company can employ a person with his ethics and customer service, is completely beyond me. After I paid and got my appraisal, I was turned down on my loan...

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Product or Service Quality
1.6 (57 reviews)
1.3 (29 reviews)
Reviewer's quote

This company advertises attractive rates, but has poor service. The appraiser they sent was here for maybe 20 min and the resulting appraisal had numerous omissions and inaccuracies on my home and the neighborhood, which resulted in a low Loan-To-Value number. I informed both the appraisal company...

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...If you want speed, transparency, and responsive service you will NOT find it at Amerisave..

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Interest Rate
2.8 (45 reviews)
2 (28 reviews)
Reviewer's quote

I decided to refinance my existing FHA loan into a conventional loan as this would save me a bit on P&I (due to a lower interest rate), as well as doing away with a $200. 00 a month mortgage insurance premium. I began this process at the beginning of October, sending all requested documents...

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...I thought I had received a favorable rate, when Cody Reed from AmeriSave called. After a long conversation, he texted me even better rates than my long term banker. I must admit, I went back to my banker and he stated he could not meet their offer...

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Website
2.3 (44 reviews)
1.9 (33 reviews)
Reviewer's quote

Sitting at the closing table right now....John Ruskin was is our Loan Officer and was on top of everything! Attorney even stated it was the lowest rate that he has seen and couldn’t believe how low the lender fees are....as a former loan officer myself I have to say that John Ruskin went over and...

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...org website for confirmation. You need to find another source for your funding needs. This company provides no service and they will not refund any monies or solve any issues you may have during the process...

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Sebonic Financial and Amerisave Pros and Cons

Pros
  • Interest rate
  • Rates
  • Initial response
  • When it was finally over
  • Non
  • Amerisave
Cons
  • Customer service
  • Unprofessional
  • Total lack of communication
  • Did not live up to their promises
  • Condencending attitude and unprofessionalism
  • Absolutely horrible

Sebonic Financial and Amerisave Most Positive Reviews

Top rated reviews
5

Oct 26th (Sunday) I reached out on-line to Sebonic to inquire about a loan for my new home purchase....on Nov 28th I cl...

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5

I had applied right before COVID-19 took over the country. I had given them a $500 deposit, but by the time it came for...

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5

Was worried we wouldn't meet the rate lock date, but everything went as planned and we closed on time. I do wish...

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4.9

I've our home twice with Amerisave because interest rates went down so much that it made our monthly payment quite a...

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Sebonic Financial and Amerisave Most Critical Reviews

Lowest rated reviews
1

After a thorough review with Keith Moore September 14 of my employment and income Sebonic ran my credit and per...

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1

Worked for them.. unethical and practically illegal. We were encouraged to work 70 hours and report only 40. That's wh...

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1

After six weeks of interminable frustration with Sebonic/Cardinal Financial, I severed all business relationships with...

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1

The most shady company in America. RUN! We have excellent credit and our house is paid for. This refi has been going...

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Sebonic Financial and Amerisave Latest Reviews

Recent published reviews
5

Sitting at the closing table right now....John Ruskin was is our Loan Officer and was on top of everything! Attorney...

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1

Company promised one thing and couldn't deliver. They told us they would match ANY deal but somehow that didn't happen....

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1.9

TWO MONTHS!! Rate locked for 6 weeks. Started sending in requested info. Always some problem with it so more and more in...

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1

Long story short. The company promised unbeatable rates/costs if not they would refund the entire $500 deposit. Well we...

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Sebonic Financial and Amerisave Products and Services

Most reviewed product and services
  • Sebonic Financial Mortgage (33 reviews)
  • Sebonic Financial Refinance (12 reviews)
  • Sebonic Financial Customer Care (9 reviews)
  • Amerisave Refinance (45 reviews)
  • Amerisave Mortgage (34 reviews)
  • Amerisave Loan (31 reviews)