Sebonic Financial Ratings & Reviews

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NMLS ID: 66247

Sebonic Financial

(4 of 5) 529 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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Fredrick Murchison Charlotte, NC
Yll Burgija Charlotte, NC
Christopher Kinson Rockville, MD
Tamara Eastridge Rockville, MD
Scott Galbraith Charlotte, NC
Joshua Burley Rockville, MD
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Customer Reviews

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529 Reviews

(4 of 5)
  • 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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  • Loan Officer Review
    from Fernandina Beach, FL
    (5 of 5)
    Recommended!
    Reviewed:

    My experience with Renato and Cardinal Finance

    (0) (0)
    First of all, I had the pleasure of communicating with Renato for over a month. I have never worked with such a professional, courteous and most of all....patient man. We probably talked on the phone at least 50 times with dozens of emails communicating with each other. Kudos to Renato and the team at Cardinal for doing such a fantastic job. Cardinal Finance will save me almost $1000.00 a month by allowing me to re-finance a 1st and 2nd mortgage, one of which I was paying 12 percent interest, which is pretty unbelievable!! Thank you Renato for doing such a wonderful and professional job! ... Read More

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  • Lender Review
    from San Diego, CA
    (1 of 5)
    Reviewed:

    Dissatisfied

    (0) (0)
    On April 12th, with Ty Norwood, I locked in a refinance rate of 3.375 and $795 in fees. The next day, I provided all requested documents. On April 14th, I was contacted by Amanda LaVelle for additional documents. The same day, I provided all requested documents. I made multiple requests for my loan to be submitted to underwriting. On May 2nd, I received a request for additional documents from underwriting. Eventually, I provided all the requested documents even though they were not relevant to my credit worthiness. But by this time, my loan would not close within the lock period. I refused to pay for an extension that was caused by the delay in submitting my loan to underwriting. On May 4th, I provided a letter stating that for security reasons, my mail was delivered to a location other than the property address. On May 13th, I was requested to provide mail my going to the property address. This was obviously a request that was impossible to fill. Despite having a refinance loan application listing the property as a primary residence, a tax return listing the property as a primary residence, a letter of explanation listing the property as a primary residence, and multiple months of utility bills paid for the property, I have been informed that my loan will not fund as a primary residence. But I was offered the more expensive alternative to refinance the property in which I live as an investment property.... Read More

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  • Lender Review
    from Boca Raton, FL
    (5 of 5)
    Recommended!
    Reviewed:

    Very Impressed

    (0) (3)
    Requesting a loan with Sebonic was a very satisfying experience. I was contacted promptly and professionally, and the loan originator, Scott Galbraith, was very professional and friendly. Although I decided to not complete the loan, Sebonic did offer the best rates I saw out there, and provided a very professional service. I would recommend Sebonic for anyone seeking a mortgage... Read More

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

    Great rate, quick and easy close

    (0) (0)
    I recently utilized Sebonic/Cardinal to close a no cash out Refinance. It was an extremely smooth process and I received a clear to close less than 2 weeks after my initial call in. It was very refreshing because I had originally been working with the old servicer (not Sebonic) of my loan and it was a painful process working with them. Then I went to two well-known online lenders (also not Sebonic) and the first kept adding new, unnecessary, conditions as the other conditions were cleared and kept delaying the clear to close. Full disclosure - In a previous life, I was a mortgage underwriter/AE for a number of years so I have background experience. The loan officer at the second lender played games right off the bat so I was done with them. He told me on the phone that I would be bringing nothing to the table. When I saw the Loan Estimate Disclosure, he had raised my loan amount and rolled higher closing costs (large origination) into the loan. Then, thankfully I found Sebonic through a Google search. I called and spoke with Kobie, my Loan Officer. He was very straight forward and up front regarding rates and fees and I felt comfortable with him on the phone, but I still wanted to see the Loan Estimate Disclosure. I received it and it matched what was said during our conversation. Fees were very reasonable, so much so that I was able to buy down the rate even more. I received the conditions list the next business day and the loan processor contacted me to set up a phone call to review and answer any questions I may have. I submitted all conditions online (relatively user friendly interface). There were some disclosures that needed to be signed/scanned as well. Communication via phone and email was very efficient. My loan processor Jervay was almost always available via phone, and if I left a message, he responded back promptly. Email replies were also prompt. I received a clear to close less than 2 weeks after my original conversation with the loan officer. I had been a tad worried with the 30 day lock, but obviously Sebonic knew that they can turn around some loans very efficiently. Also, everyone I was in contact with was very pleasant. I never felt like I was being pushed or ignored which I had experienced with the other lenders. Overall, A+ experience and I highly recommend. ... Read More

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

    Sebonic was quick, inexpensive and easy

    (0) (0)
    After receiving what I perceived as poor service at Quicken I walked away from them the week of the scheduled closing and went with Sebonic. As far as I am concerned it was a great decision as I closed quickly with a slightly better rate and lower closing costs. James Dawkins was assigned to push my loan through and he was very responsive and helpful. For the closing they sent a notary to my home and with a little help from James everything was done in about 45 minutes. This was probably about my 20th loan / refi and the first that was done almost entirely via the internet. The internet added a few twists to the process but overall it was painless... Read More

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  • Lender Review
    from Littleton, CO
    (1 of 5)
    Reviewed:

    Avoid at all costs

    (22) (7)
    Started our refi 3 months ago, and for the second time, no one showed up for our closing, with no call, email, anything!!! WORST experience ever! Would gladly have paid thousands more if I had known! Started with after waiting 2 weeks for the appraisal, the first appraiser having a "family emergency" so had to wait another 2 weeks for another appraiser. We felt bad for the first guy, so we understood. This is when we first started to notice emails and phone calls not being answered. The only time we could reach anyone was to call their customer service line, and they would corner our rep. And then we would get circle answers, and promises of answers that never came. Then a glitch in paperwork came up due to a discharged bankruptcy years ago. Offered to handle it with guidance and were told they would take care of it. That was that. We were then told we would close Friday or Saturday, after only 6 weeks... Great! They will call us. No call Thursday. Friday we call 3-4 times, email, no answer. Still waiting by the phone Saturday, called, emailed, still nothing. We called and emailed Monday... No answer. Finally Tuesday for a "manager" who advised our rep was our of town and would get back to us the next day. Finally heard from him 2 days after that, and many emails and calls, and the bk paperwork came back to bite us. We had to handle this now. So we are now on our FOURTH extension, discussing something that was originally discovers the first week and we were told was not a problem. Then our rep gets in an "accident" so we are now dealing with the manager. We Also find out we will have to file the FIFTH extension, which they will it pay for but costs us almost another $900! WE took care of that, to avoid having to wait for them. We told them that day it would be 2 weeks. We close that, and they have done NOTHING to get it moving again. They needed the paperwork. So we send that to them on Friday, during business hours, for the second time because the attorney sent it to them as well. Monday was a holiday, Tuesday we call and email. I get an email back again asking for that paperwork. I send it a third time, and am told great, should close Wednesday since everything else is "done." Wednesday keep emailing and calling, all day. Re sending paperwork they have, but at least it's moving. Then... Nothing! Call customer care at 5:00 and reach the officers manager again to be told all looks good, we will call you in the morning to close tomorrow, we requested 12:00, she assured us that should be doable. Once we heard fro The closer, they advise they can't do that, so we agree on 8 pm. Bat 6:30 I happen to check my email to find an email for the manager asking for current credit card statements, which ones were not listed though. Ok.... I'm on the road, so I ask her if which ones, and if it can wait until I get home. I specifically ask if this will effect our closing since this is so last minute. She sends me the list, no other replace sw. I send her 4 more emails in the next hour asking if we are closing... I call the main line, customer care, and every other number we can find all with no answers. I have the email confirming the closing for tonight at 8 pm, and here it is 11:30 and no show still. Yes, I know they won't be here, and I am still hoping for tomorrow, but I'm so me I know I can't sleep. Please, save yourself the stress, sleepless night and frustration and take your business elsewhere. We started this June 16 and STILL have not closed, and can not get an explanation why... Read More

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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.