Sebonic Financial Ratings & Reviews

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NMLS ID: 66247

Sebonic Financial

(4.7 of 5) 534 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...

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Loan Officers

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Yll Burgija Charlotte, NC
Fredrick Murchison Charlotte, NC
Tamara Eastridge Rockville, MD
Scott Galbraith Charlotte, NC
Todd Andrews Charlotte, NC
Michael Fienberg Rockville, MD
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Customer Reviews

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534 Reviews

(4.7 of 5)
  • Loan Officer Review
    from Denver, CO
    (5 of 5)
    Recommended!
    Reviewed:

    Knowledgeable Loan Originator

    (0) (0)
    Yll was very helpful and efficient in locking in a rate for us when shopping for a home. He showed attention to detail and obviously had extensive knowledge in dealing with unusual mortgage situations. We had an unusual buyer credit situation and he seemed very competent in handling it. Ultimately, we opted to select another lender due to the fact that this lender has handled two prior transactions for us, but Yll offered a more competitive rate. I have no doubt that he takes care in walking buyers through the financial and closing process... Read More

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

    Great Rate, very flexible

    (0) (0)
    I found Sebonic from an online mortgage comparison site. They were the lowest rate, so I gave them a call. Great rates, and very helpful people. I was able to change the terms of my loan just 1 week before closing... and I still closed on time. They require escrow for loans under 80% LTV. If you can hit that, it's a .125 point fee to discharge. Very reasonable. I wholeheartedly recommend Sebonic for anyone looking for a great rate... Read More

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

    Great Experience

    (0) (0)
    I had the best refinance experience ever with Sebonic Financial. John Ruskin is very patient and reliable. It would be even better if the customer is informed by the first handler of the loan before moving to next handler ( something like introducing the next handler by the first handler; not by introducing the next handler by herself/ himself). I would use Sebonic again when I need to get a loan or refinance in future... Read More

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  • Loan Officer Review
    from Houston, TX
    (5 of 5)
    Recommended!
    Reviewed:

    Works fast

    (0) (0)
    Gerson helped me alter the terms of my loan 1 week before the closing. Great work!

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

    Great company

    (0) (0)
    Wonderful company with knowledgeable people. Everyone was very professional and helpful in getting my loan closed in 25 days.

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  • Loan Officer Review
    from Anacortes, WA
    (1 of 5)
    Reviewed:

    Terrible Experience

    (0) (1)
    Got a great quote from Bryan Ormsby on a Full doc, cashout refi with 67% LTV, 750+ FICO, plenty of reserves and 19/28 ratios on primary SFR. Based on previous experiences, this should have been an EASY loan. After getting written confirmation that, baring any market changes, the a initial rate and fee/rebate quote would not change on the official application, I was shocked then to see the lender rebates and the loan fees changed by thousands of dollars on both ends. The bottom line was that the loan fees (origination and appraisal) were $700 more expensive than what was quoted in original emails. Market rates were down and our credit scores are both 750+, so that wasn't the issue. When I asked about it, I got some mumbo jumbo about prepaids which aren't a loan fee. There was no itemization on the app form, so there was no way to verify the source of the difference. That meant that the origination total could have been allocated any way they wanted at closing. After a conversation with a manager who apologized several times for the lack of transparency, I did get an 2nd application with a THIRD set of fees and rebates 5 days later. Although both of those numbers were different from the original quote and the first application, the net cost to me was within $150 of the original quote (still in their favor though). I was ready to esign and proceed, however, neither of the access codes provided by Sebonic worked and I could not access the loan documents to esign or print for faxing. Meanwhile, after a week of no communication, I got another email from Bryan on Friday requesting that I schedule and pay for an appraisal before Monday to keep the rate lock effective. Sunday evening as I tried to do that, I noticed that 1) the appraisal fee had been raised by $55 over the initial quote and 2) I was directed to choose 3 dates/times for the appraisal within a given window but we were only going to be home for 2 of those dates. So Sunday evening I sent an email to Bryan asking for the appraisal fee to be corrected and for guidance on what to do about the online scheduling form. I didn't get any reply from Bryan by Monday at noon our time (3 pm his time) so I forwarded the message to his manager asking for help. No answer there either. I own two homes and have refinanced multiple times and this experience ties for the worst refi/purchase experience that I've had. I believe a lot of the issues would have been avoided or easily fixed if emails were answered in a timely manner. It took more than 24 hours to get a reply to several emails and 3 or 4 days in a couple of cases. It appears that the flipped deal is going to cost us around $1200 since rates have gone up slightly, but the rep and Sebonic will lose much more than that. I am really hoping to find a lender who actually WANTS to refi both our primary residence and investment property on my next try. ... Read More

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  • Loan Officer Review
    from Thomasville, NC
    (5 of 5)
    Recommended!
    Reviewed:

    Thomas Denton

    (0) (0)
    Tom did a great job helping us with our refinance. He walked us through each step of the process. We closed on time, with even a better rate than we expected.

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

    I recommend Renato Paz

    (0) (0)
    excellent

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  • Loan Officer Review
    from Leesburg, VA
    (5 of 5)
    Recommended!
    Reviewed:

    I recommend Renato Paz

    (0) (0)
    He explained the proses, and he speaks spanish, he's good and very helpful, I already recommend to my family

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  • Lender Review
    from Fernandina Beach, FL
    (5 of 5)
    Recommended!
    Reviewed:

    My experience with Sebonic Financial

    (0) (0)
    Although it took a while to get the loan approved, Sebonic Financial did a great job in helping to secure my loan.

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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.