Update by user Jun 27, 2019 Sebonic did contact me via email. And confirmed by their actions that they could not reply in a timely manner nor understand a simple question. ( Did you receive a hard copy of the appraisal?) I had to ask that repeatedly before she finally got it. After telling them were to stick it, be went to a local bank and signed the refinance papers in 3 weeks. We wasted 2 months and that wait put us in financial jeopardy!! Original review posted by user May 28, 2019 TWO MONTHS!! Rate locked for 6 weeks. Started sending in requested info. Always some problem with it so more and more info sent. We were told we didn't have to pay off anything!! Rate lock expires. Fees to lock in a new rate. More info requested. More problems. ( They NEVER just sent a list of all they required.....just one or two items per week ) Rate lock expired. More fees. They requested a letter from our financial adviser who set up our annuity. He submitted it. A week later, they now wanted ANOTHER letter confirming the amount of the annuity. More delays. Then, suddenly, we have to pay off our revolving gas credit card...rate lock expires...more fees. Then, after demanding to speak with a supervisor, She basically says they can't trust my financial adviser and need to get all the info they asked of him from the company itself!! I blew up!! Only two conclusions: They are incompetent and/or they Keep delaying to collect as much in fees as they can until they finally close it. I will NEVER recommend this company!! NEVER!!