Sebonic FinancialReviews of sebonic.com

Before I start, I want to make clear that I had a good overall experience with this lender. While there were evident process failures that ultimately caused delays in closing, there was also unfailing individual professionalism and attentiveness form everyone I worked with, particularly from Shawn Croat, the loan officer assigned to my loan. Shawn was a true professional from the beginning to the very end of this refinance process. He was immediately responsive to my concerns and took action quickly when I needed additional assistance and follow-up. This level of customer service was there throughout the entire refinance process--not once did I have to wait long for his assistance when I needed it. The refinance itself missed the original 60 day target to close, with one issue taking weeks to resolve. I spoke to multiple people throughout this process, and even though the confusion behind the scenes was evident, it was also evident that every single person I spoke with was working hard to figure out the issues and steer me right, keep me informed, and every single one was professional and attentive. This speaks well of the lender--a customer is much more willing to tolerate thorny issues if he also sees that there is a real commitment to do the right thing for the customer. The refinance ultimately closed successfully, and Shawn made good on his personal assurance that I would not have to pay any additional costs due to the closing delays. By this point in the process, I had seen enough that I had no doubt that Shawn and Sebonic would keep their word and do the right thing. Despite the issues and delays, a good business transaction depends on trust most of all. Shawn and Sebonic earned my trust during this process. If and when I refinance or look for a new mortgage in the future, they will be the first ones I call.

Great experience, Fast process....

Went with Sebonic / Cardinal Financial because of other peoples positive reviews and wasn't disappointed, They performed everything online except for the signing of the closing papers. All was done within the 30 day lock period.

Just closed a refinance, transaction was smooth and I will include them in my searches in the future for additional financing needs.

This is our second time refinancing, so we had a pretty good idea what we were getting into. Barry did a great job locking in our rate up front and very clearly letting us know what he needed from us. The site that Sebonic/Cardinal used for document uploads also was fantastic. We had all of our documentation turned in and our paperwork signed that same night. Brenna, the processor, also did a nice job early on navigating a couple of special situations we had with our insurance and with our solar panels. Where issues arose was at the end. On three separate occasions, the closing disclosures listed an incorrect loan amount, and also failed to roll our closing costs into the loan as we had requested. Barry responded to my requests and pushed to get things fixed, but the incorrect loan amount and closing costs kept showing up on the revised disclosures. I finally had to threaten to not sign off on the day before close (which also would have been the last or next to last day before the rate lock expired). Finally, on the morning we were supposed to close, they got everything correct and we were able to sign the docs. Overall, most of the experience with Sebonic was pretty painless and stress-free. I would still go through them again, but they definitely need to address some internal disconnects that they seem to have.

Michael was a great loan originator and my processor Taylor was amazing as well. The process was streamlined, efficient and fast all the way up to closing when it became a little bit bumpy. I was reassigned to a new closer without any notification and when it came time to close there was a lack of communication from my closer to my escrow and real estate agent. All parties were disconnected, and I had to get management involved with Cardinal to get things were they once were. Once management was notified things were back on track and on time. It would have been a perfect transaction if the breakdown in communication had not occurred.