I applied for a refinance mortgage on my single family home in which I reside. 
I have provided information parsimoniously requested of me for the past 4 months. 
I have been strung along on this process being required to increase my home insurance coverage to accomodate Sebonic Financial requirements. I have provided XXXX appraisals demostrating I have well over 40 % equity in my home. When I began engaging with Sebonic Mortgage and Cardinal Financial process my credit rating was very good, I received this email in XXXX from the Mortgage Representative XXXX XXXX, " Finally! Thanks XXXX. I just requested update from lockdesk. I know they are slammed. Will provide update as soon as I hear from them. May not be until tomorrow though. Thanks XXXX. " On Wed, XXXX XXXX, 2015 at XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : '' Yes, we finally received the verification information. We had to get XXXX to update their records with the third party verification company. '' 
