Sebonic Financial Ratings & Reviews

Write Review
NMLS ID: 66247

Sebonic Financial

(4.7 of 5) 599 Reviews

94% of our customers would recommend this lender.

About Sebonic Financial

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved...

Read more

Loan Officers

View All
Yll Burgija Charlotte, NC
Tamara Eastridge Rockville, MD
Yll Mullaademi Charlotte, NC
Michael Fienberg Rockville, MD
John Bennett Charlotte, NC
Deanna Collins Charlotte, NC
View all

Customer Reviews

Write Review

599 Reviews

(4.7 of 5)
  • Loan Officer Review
    from San Antonio, TX
    (5 of 5)
    Recommended!
    Reviewed:

    Great working with Phil!

    (1) (0)
    Great!

    Was this review helpful?

  • Lender Review
    from San Antonio, TX
    (5 of 5)
    Recommended!
    Reviewed:

    Great Experience

    (0) (0)
    I had great experience with Sebonic Financial from starting to end. Phil and Angelita were very helpful and guided my through the whole process. It took about 2 weeks from contacting them and closing the loan. They were very responsive and answered all my questions very patiently. I would recommend them.

    Was this review helpful?

  • Lender Review
    from Seattle, WA
    (5 of 5)
    Recommended!
    Reviewed:

    Sebonic

    (0) (0)
    Sebonic was able to close my loan real fast In about two weeks in fact from the time I contacted them. They also had the lowest rates.

    Was this review helpful?

  • Lender Review
    from Columbia, MD
    (5 of 5)
    Recommended!
    Reviewed:

    Got best rate and great service

    (0) (0)
    Sebonic got me the lowest rate of any of the lenders I talked to (by 0.3 percentage points), and did so without any lender fees or buying points. Very timely in responding and helpful / profession. Would highly recommend.

    Was this review helpful?

  • Lender Review
    from Coos Bay, OR Confirmed LendingTree Customer
    (4 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    February 2, 2015

    friendly

    (0) (0)
    good

    Was this review helpful?

  • Loan Officer Review
    from Marietta, GA
    (5 of 5)
    Recommended!
    Reviewed:

    An excellent professional

    (1) (0)
    Nathan was the first to contact us after we requested information. He was totally professional and transparent throughout. A pleasure to work with. FWIW, the bald guy in the photo is not him.

    Was this review helpful?

  • Lender Review
    from Marietta, GA
    (5 of 5)
    Recommended!
    Reviewed:

    Fast and efficient from start to finish

    (0) (0)
    This was our second REFI of our home, this time to consolidate our first and second mortgages. We reached out to six different lenders to review their offerings. Sebonic, a division of Cardinal Finance, was the first to call back (like, in five minutes) and the loan officer, Nathan Cook, was extremely professional and transparent throughout our dealings. It took some time for us to make a decision, as several lenders were very close in terms of their rate offer and closing costs. What helped us decide on Sebonic was the number of positive reviews. It was not a mistake! From our decision to go with Sebonic to closing was less than three weeks. While it helped that we had ready access to all the documentation required, Sebonic and David Stephenson, our Loan Processor with Cardinal Financial, made the entire process quick and easy... Read More

    Was this review helpful?

  • Lender Review
    from Bristow, VA
    (5 of 5)
    Recommended!
    Reviewed:

    Great Experience

    (0) (0)
    Refinancing made so easy. Well qualified staff, no unnecessary charges. Final Closing disclosure is lower than the loan estimate

    Was this review helpful?

  • Lender Review
    from Encinitas, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Consolidation Refi

    (0) (0)
    My loan experience was very positive. In a rising mortgage market, I was hesitant to deal with an online broker on the other side of the country and I had read a couple negative reviews. As a result the rates raised by a quarter point but my lock rate and fees was still lower than I could obtain from my long time broker. I am now confident of Sebonic/Cardinal Financial and the process and would use them again... Read More

    Was this review helpful?

  • Loan Officer Review
    from Happy Valley, OR
    (5 of 5)
    Recommended!
    Reviewed:

    A good loan originator

    (0) (0)
    She answered my questions concisely and professional. She is not emotional and not pushing but acting promptly when the rate becomes better.

    Was this review helpful?

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.   Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.