Great Experience! I'm not the type to give anybody compliments, but I highly recommend Sebonic, especially my loan officer, Justin Fry. He was fantastic, unlike my previous loan officer at another bank. He was honest, up front, and handled everything with my best interest at hand. I highly recommend Justin. You can count on him! I will definitely contact him again in case I need to refi again.

Easy process The process with Sebonic was pretty easy and painless. The staff assigned to the loan application were very responsive and answered questions and addressed a couple of what seemed to be software glitches. The rate and terms were very competitive.

Sebonic has the most unknowledgeable Sebonic has the most unknowledgeable, asinine, robotic underwriters, I have ever dealt with. After THREE arduous weeks of paperwork, uploading new documents nearly every day, And having to INCREASE my home insurance coverage with a check up front, to please them! At the last minute, a week before closing, they denied my refinance. Bait and Switch? They offered, at the last minute, to 'restructure' my loan. Right. No. Could I just say, the woman I had to deal with, must have a life questioning moment, any time she has to check the "I am not a Robot" box.

A+ Great Experience!!!!!! After reading several reviews I was a little nervous about using Sebonic to refi our home. The reviews are either great or terrible. Our experience with Sebonic was great. Not only did we receive a good rate but It only took 3 weeks to refi our home. Michael Fienberg did a great job of keeping the process moving forward and was really quick to respond to my questions. A+

Nightmare First of all they charge more for appraisals by about 2 to $300 than anybody else. I sent document after document after document for 2 months and they kept stringing me along trying to relock it at a higher rate even though mortgage rates are going down.. I got so fed up with them I went to Quicken Loans. I would advise against using them unless of course you live on Elm Street which in case it will be a perfect fit.