[quote=gzz]I used Sebonic via Zillow for my 2017 purchase and they were great.

A few days ago Zillow took me to Semper Mortgage as the lowest 30 year. Not good so far, I did the initial online application last week, no contact at all since, no response to my e-mail to the assigned agent.[/quote]

Sebonic was pleasant to deal with just slow and likely buried. They originally told me 60 days but we were supposed to close around day 40. Then they told me title found a lien from an old HELOC that was paid off 15 years ago. I had been through 5 refis of either 1st or 2nd mortgages in the last 15 years and never came up. It was a f/u on their end. Then a week before closing they call to say we cant close because FEMA has declared SD County a disaster area. Im like WTF? Loans are closing everyday here. I called escrow companies locally and lenders and none had this issue. They misinterpreted something on the FEMA website re fires out in East County in Sept impacting a few zip codes but nothing close to me. That delayed a week. Finally closed and Im happy with the rate but id never use them on a purchase loan.

Mine was no cash out though they added about 5K to cover prepaid taxes. I had those escrowed in my old loan and when I get my refund I’ll just send it over to Sebonic so really no impact. Oh and my Loan to value is under 30%.