Sebonic FinancialReviews of sebonic.com

I requested a quote online from sebonical website and an agent reached out to me on phone. In my request, I entered all the details correctly and pointed out that I'm buying a rental property. Agent, did no pay attention to the detail and promised me to match the online advertised rates and kept insisting to submit the application form. I sent him the online rates and filled the forms as asked for the same day. In the morning when I followed-up, same a agent called me back and he was very rude. He accused me of playing games and not being honest with him, which is incorrect, as I had entered all the details correctly in my request, but he did not pay attention to it. Further he said, I'm the one to blame because I did not bring this up during phone conversation. He kept saying I wasted his time. While I understand the confusion, rudeness and unprofessional language was total uncalled for. Can not be trusted for that reason.

I do not recommend Sebonic. I had a loan officer named Mr. Burgija email me a 30 yr rate quote on July 20th , And emailed me the following day a list of there good reviews , so I completed there information we opened title and escrow and after 2+weeks , another loan officer calls to say she is taking over the file as the first loan officer was no longer with the co. & said sorry we’re not able to honor that rate , the first loan officer did not include cost of subordination request. I sent her the email from him showing it did , she apologized again said she would check with management and they still would not honor there quote. Very unprofessional I have excellent credit , income, home is free and clear should have been easy one to close in a month. If you get a quote from this co you should also ask there management team to approve it.

This is the 4th time that I’ve been through a finance/refinance process and it was by FAR the worst. I’ve never had to gather so many documents, and do as much gathering as I did with Sebonic. After stating that email was the best form of communication for me, they continued to try and contact me elsewise. I very specifically told them to lock the rate in one day and they didn’t until the next after the rates went up more. It was a constant lack of communication and errors on the documents nonstop. The ONLY reason I stayed with them instead of switching was because of the time crunch of a divorce settlement. Which, by the way is difficult enough, but Sebonic magnified the horror of the divorce process multiple times over. I was so glad to finally close the deal, so that I didn’t have to deal with them anymore, but sure enough, the closing has been a nightmare also. Scheduled and confirmed for 4 PM, but after rearranging our day, taking the day off last minute (because I wasn’t aware we were closing that day until the afternoon before) the notary didn’t show until 7, and the stack of papers was horrendously large - she didn’t leave until after 9. The worst part, Sebonic wasn’t even properly prepared for the closing...some of the docs hadn’t been prepared yet!! I will NEVER do business with Sebonic/Cardinal Financial ever again, and I would urge you to STAY AWAY!!

Because of the extremely long delay for the appraisal I am not able to refinance my house at the terms that I had agreed to in the beginning. This FOUR WEEKS of delay was do to waiting for the appraisal of which was picked by Sebonic.  Now it seems like I am the one that is suppose to pay for it. The delay was caused someone on Sebonic's end of this deal. I am not going to pay for something I had no control over. They had the time to get someone else to do the appraisal, but did not do so. VERY UNHAPPY NON-CUSTOMER Tim Penny