Sebonic Financial Ratings & Reviews

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NMLS ID: 66247

Sebonic Financial

(4.7 of 5) 564 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
Yll Mullaademi Charlotte, NC
Scott Galbraith Charlotte, NC
Scott Thomas Charlotte, NC
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Customer Reviews

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564 Reviews

(4.7 of 5)
  • Lender Review
    from Westmont, IL
    (5 of 5)
    Recommended!
    Reviewed:

    Great experience!

    (0) (0)
    Very communicative team. The rate offered for my refinancing was great. Fees are much lower compared to any other financial institutions. I highly recommend!

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  • Lender Review
    from Orem, UT
    (5 of 5)
    Recommended!
    Reviewed:

    The best for loans

    (0) (0)
    I had an amazing experience with my original loan but my refinance was a little rocky. I would work with them again as I know they get it done for the best rates I've found. They still could improve at several points with refinances though.

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

    Competent, friendly and fast.

    (0) (0)
    Competent, friendly and fast. Carlos got done what needed to be done.

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  • Lender Review
    from Durham, NC
    (5 of 5)
    Recommended!
    Reviewed:

    Best rates, best service

    (0) (0)
    Sebonic (Cardinal) had the best rates to go along with fast/friendly service. The closing costs were right on par with what I was told up front. They closed on time and were clear about what was needed at ever step of the process. A++ in my experience.

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  • Loan Officer Review
    from Woodbridge, CT
    (5 of 5)
    Recommended!
    Reviewed:

    Highly Recommended!

    (0) (0)
    I've went through countless mortgage brokers when refinancing and finally decided to go with Kent Ege and I was glad I did. He was extremely transparent with everything, extremely understanding and gave the best rates (which, obviously played a factor). The two team members Kent Ege and Scott Reinhardt were two of the individuals I had the pleasure of working with and would highly recommend them. The process was easy and hassle-free.... Read More

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  • Lender Review
    from Woodbridge, CT
    (5 of 5)
    Recommended!
    Reviewed:

    Highly Recommended!

    (0) (0)
    I've went through countless mortgage brokers when refinancing and finally decided to go with Cardinal and I was glad I did. They were almost too transparent with everything, extremely understanding and gave the best rates (which, obviously played a factor). The two team members Kent Ege and Scott Reinhardt were two of the individuals I had the pleasure of working with and would highly recommend them. The process was easy and hassle-free.... Read More

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  • Loan Officer Review
    from Gilbert, AZ
    (5 of 5)
    Recommended!
    Reviewed:

    Great experience!

    (1) (0)
    Got back to me quickly and got everything done quickly.

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  • Lender Review
    from Gilbert, AZ
    (5 of 5)
    Recommended!
    Reviewed:

    Great refi experience!

    (1) (0)
    It was a great and smooth process the entire time. Great communication and no money out of pocket to refi! Amazing!

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

    Sebonic Has My Vote- Best in TX

    (0) (0)
    Great customer service throughout. Happy in Texas. This guy knows his business. HIGHLY RECOMMEND!

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  • Lender Review
    from Lehi, UT
    (5 of 5)
    Recommended!
    Reviewed:

    Amazing

    (0) (0)
    The were fast and easy. Highly recommend.

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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.