Sebonic FinancialSebonic Financial is a nationwide direct mortgage lender that provides modernized home financing solutions. As a trusted industry leader for nearly 30 years, Sebonic upholds the fundamental belief that top-notch customer service is key. Using a unique combination of proprietary technology and human expertise, we’re making the complicated process of obtaining a home loan simpler and easier.Reliable. Realtime. Reinvented. Sebonic has the home financing you need at the speed you deserve.
Sebonic Financial (sebonic.com) has 136 customer reviews on Five Star Index, with an average rating of 4.1 out of 5.
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Investments & Wealth · Wilmington, North Carolina
Excellent
Investments & Wealth · Madrid, North Carolina
Excellent
Investments & Wealth · Charlotte, North Carolina
Excellent
Investments & Wealth · Raleigh, North Carolina
Excellent
Showing 28 reviews with 1 star · Clear filters
Lawrence
They had 45 days to close and couldn't do it. They will keep asking for conditions that are not possible to obtain. Go with someone else who will fund your loan, it is impossible to get in touch with them and the customer service is terrible.
A. P.
This is the worst experience I have had on a refinance. There is no sense of urgency. I have asked over 10 times over the last two weeks for a closing/funding date. The senior loan originator on my loan simply ignored my question and not once could get a closing date with underwriting. I continue to lose day after day waiting and waiting for my loan to close. Please go somewhere else where your time is valued.
Chirag P.
I wouldn't give them one star because they took 3 and half months to tell me they can't do the loan after providing them documents after documents and they still asking for the same documents over and over again. I dealt with Christopher Germain, Sara Lemoine, Brandon wash. They will promise you everything in the beginning about help you all the way. In the last 3 and half months they only talked to me 3 times regarding refinancing my loan. Stay away from this company they will waste your time.
CofA
Do not use this lender. They were over 3 months late closing my loan causing me to almost lose my property since it was on a bridge loan. Their disorgnization cost me thousands of dollars in interest and penalties from the bridge loan. I literally called 3 diferent people from the company every day for weeks and often didn't speak to anyone for days at a time. Underwriting is excruciatingly slow and only ask for a document at a time and then your whole package does to the bottom of the pile. Also be aware, their rates are low but their fees are VERY HIGH. Use anyone else if you can!
Tho N.
This is the worst experience I have ever had in either applying for a mortgage or refinancing. The people involved (except for the loan officer - D McKnight) were completely incompetent. They requested information in a piece meal manner and some time, requested the information multiple times. Also, they did not even review carefully what was provided and requested the same info again. Two delays in closing and a day after the second scheduled closing, they asked again for another piece of information. I just wasted the last six weeks with these people. After all this torture, I told them I am no longer interested in working with them. Stay away@
Jay K.
would not recommend this place. was going well until the mortgage lender started getting pushy, and wanted me to sign right away. The kicker was when this rep. started to get pushy and then said, "why don't you sign now, don't you trust me?" Really?! After only 1 or 2 phone conversations.
Brian J.
Everything was going well then the two clowns went quiet . Then I get told more verifications needed and then everything was in a rush and a deadlines missed . I regret ever listening to this BS reviews saying they were good . Will never deal with then again ever! You can tell right off they have some fluff reviews that suckered people like me.
John D.
If my first transaction had been with sebonic financial - I would have never dealt with real estate again. Luckily, they are my 7th and by far the worst I have dealt with. This is a warning to anyone considering using them. Ran my credit 3 times over the course of 1 month. When I got assigned to loan officer she immediately told me she was going out of town next week and I wouldn’t be able to reach her. We could continue the process the following week. I followed up multiple times. The day before closing they told me they couldn’t do my loan anymore due to a change in covid regulations. I followed up with 1 bank and 1 broker with the situation and they both told me they could do my loan even with new covid regulations. I’m currently approved with another lender who is aware of all restrictions and closing in 2 weeks. Save your time and money and go with someone better. To top it off, this whole process took about 2 month due to their slow response times and I’m out $500 on an appraisal that can’t be used at another bank.