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These people are a pack of idiotic buffoons. After making me wait more then 90 days, they sent me an email stating that they were not able to document where the cash deposits on my bank statements came from. Clearly the income was shown on my tax returns that they requested I send to them. I wasted 98 days fumbling with these clowns. Trust me when I tell you, you do not want to do business with these people. 98 days wasted!!!!! Sebonic Financial...
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After spending an entire weekend scanning documents and whatever bs they deemed nesessary to apply for my loan I waited, waited and waited to be contacted by them. After a week or so I contacted them and they informed me that everything was great, great credit great income to debt blah blah bla bla and they had scheduled an appraisal on the property... after several weeks I received an email informing me that since the process had taken so long...
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Anonymous

Anonymous You to they are a real joke all i can say people don't wast your time there shopping there.

1.9
#982503
I was provided a loan estimate in November, 2016 and a 30-day rate lock. All required documents were uploaded per Sebonic/Cardinal's requirements in two days after the rate was locked. Cardinal charged me $475 for an appraisal immediately. After more than three weeks, the application is still in underwriting. They dragged their feet. A rate lock extension fee notice was sent to me five days before the 30-day lock expiration as following: 7 Days...
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1.0
I liked
  • None
I didn't like
  • Lack of communication
  • Trapping
  • Misleading
#971089

Sebonic Financial Mortgage Review

#777724
2.2
Was a bad experience. It was all good til the appraisal came in then didn't hear from them for a while then never whem though with my approval. Had to find someone else to help me.
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Sebonic Financial Mortgage Review

#755382
5.0
Justin Fry is the best mortgage guy ever. He is super nice and was very helpful in leading to purchase my first income property. Although he said he wouldn't personally open his checkbook for investment properties with his childhood friend, he did have many helpful answers.
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Sebonic Financial Payment Option Review

#698498
This company plays games with the locking rate, they take their time and they let the time expires and change your rate to higher rate, and at this time you can't refuse because you are out of time and you have to close or lose the purchase. Very band company, and they go by the name of Cardinal Financial Services. Don't every use them.
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Sebonic Financial Mortgage Review

#694790
Raised closing costs $1500 after submitting final documents. Of course this was less than 2 business days before scheduled closing.
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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...
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1.7
I liked
  • Website to upload doc
I didn't like
  • Being misled and wasting my money
#964367
I contacted Sebonic/Cardinal Mortgage on 10/14/16. Loan processor sent in refinance application. I provided my income and debt and was approved for a 15 year refi. I provided countless of documents underwriting required. I paid for an appraisal that they required. I was given a closing date of 11/18/2016. I never heard anything from my loan processor it happened to be my insurance company that asked if it was ok to update mortgage holder info on...
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I didn't like
  • Unapologetic
  • Could not close the transaction
  • Unorganized
#964094
Bait and switch. After three months of waiting to get an appraisal , limited communication and multiple excuses, I found out today that this company wanted to charge me an additional $3500.00 for an appraisal that had wrong information about my address. There were multiple mistakes about my property description, most likely put there to draw out the closing process so that I would have to pay extra $ to keep the low locked rate . To charge...
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#963861
I initially received 10/1 arm and 30 year terms for refinance. i wanted the 10/1 ARM and submitted all information, agree to a credit check. I thought I was on good terms after the phone call with Victoria. this is when things took a turn. 1. Paperwork was for 30 year fixed. 10/1 ARM not available for the loan I wanted? 2. Not 80% loan to value, only 75% on this loan. 3. Activation did not go through. 4. Activation goes through with wrong...
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Anonymous

Carla Wow! I am dealing with Victoria Palella right now and have had nothing but misery, misleading and down and out lying.
Sebonic did a great job with my first loan but Victor...

Truly the Best!! From the time that I initially applied until the time I had final "clear to close" was 3 weeks. I closed exactly 4 weeks from the date I applied. I chose Sebonic over other lenders because of their great rates and loan features. They proved to me that I made the right decision. Rachel Swick contacted me within minutes and from the very first moment, she was always available by telephone and/or email. She always returned my...
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Anonymous

Anonymous Must be her mom

5.0
I liked
  • Best mortgage experience ever
  • Easy online process
  • Easy process
#936551
I heard they used to be good. Great rates at least. Now I filled in the online forms in return for being promised a quote. All I received was a phone call and email asking for the same info again. Where did my initial inquiry go? Why did you have me fill out all the info if you don't keep it or don't know where it is kept. I was told I would not be given a quote unless I provided it again. Simply put, this business practice is deplorable....
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1.0
I liked
  • Nothing at all
I didn't like
  • Entire experience
#935977

Contact Sebonic Financial

Headquarters Address:
Sebonic Financial
3701 Arco Corporate Drive Suite 415
Charlotte, NC 28273
Phone:
(877) 721-6866
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Companies similar to Sebonic Financial

The worst mortgage company I have ever experienced through multiple refinancing. They did not appear at the closing. Either they did not pay the tax on time, so I paid the penalty for the property tax. If I call the service department, they are saying that it is my responsibility. Terrible service. Also, they keep changing their words. You have to avoid working with this company even though they offer very low rates. Terrible service. Also, they...
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Anonymous

Herbie I agree with this post 100%. They appear to not know what they are doing, although they do come on strongly in the beginning, locking a rate that will later increase, because ...

2.0
I didn't like
  • Lies
  • Unprofessional
  • Terrible communication
#932604