Pennsylvania Mortgage Rates

March 2, 2015 07:33 PM Eastern

Refinance rates now in PHILADELPHIA, PA [Change this]

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Home Price (Purchase)
When you get a mortgage to purchase a home, the lender uses the lower of the agreed-upon purchase price or the property's appraised value to determine your maximum loan amount. The loan amount divided by the property home price equals your loan-to-value ratio, or LTV. That ratio is one of the major factors that lenders use to set your mortgage rate. If your LTV exceeds 80 percent, you'll probably be required to pay mortgage insurance, which increases your monthly payment. If the property appraises for less than the agreed-on purchase price, you are not usually required to complete the purchase.
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Home Value (Refinance)
This is your estimate of the current value of your property. When you refinance, your home is almost always evaluated by a licensed appraiser. The refinance loan amount divided by the property's appraised value equals your loan-to-value ratio (LTV), and that number is one of the major factors that determine your mortgage rate. To get an accurate refinance rate quote, your home value estimate must be reasonably accurate.
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Down Payment
The down payment is the amount you pay upfront when you finance property. Your purchase price minus your down payment equals your mortgage amount. The higher your down payment, the more likely you are to be approved for a home loan. If your down payment is less than 20 percent of the purchase price, you'll probably be required to pay for mortgage insurance, which increases your monthly payment.
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Credit Score
Your credit score is a number designed to measure your credit-worthiness. It's based on a formula that combines many factors, including your payment history, amount of credit used and number of accounts. This number is used by lenders to calculate the probability that you'll default on your mortgage. Most lenders won't approve mortgages to applicants with credit scores lower than 620. Your credit score is one of the most important factors that determines your mortgage rate - applicants with higher scores are offered better mortgage rates.

FHA 30 Year Fixed Rates as low as

Interest Rate
3.250%
APR
4.128%
Monthly Payment
$1,005
Sebonic Financial
Interest Rate
3.250%
APR
4.128%
Monthly Payment
$1,005
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $871
Estimated Mortgage Insurance Payments $134
Total Monthly Mortgage Payment $1,005
Lender Fees $4,053
Lender Credit $0
Total Closing Fees* $4,053
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

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.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
3.625%
APR
3.711%
Monthly Payment
$913
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $913
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $913
Lender Fees $2,110
Lender Credit $0
Total Closing Fees* $2,110
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

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.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Capital One
Interest Rate
3.625%
APR
3.728%
Monthly Payment
$913
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $913
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $913
Lender Fees $2,512
Lender Credit $0
Total Closing Fees* $2,512
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.

15 Year Fixed Rates as low as

Interest Rate
2.875%
APR
3.057%
Monthly Payment
$1,370
Sebonic Financial
Interest Rate
2.875%
APR
3.057%
Monthly Payment
$1,370
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $1,370
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $1,370
Lender Fees $2,522
Lender Credit $0
Total Closing Fees* $2,522
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

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.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
3.000%
APR
3.066%
Monthly Payment
$1,382
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $1,382
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $1,382
Lender Fees $920
Lender Credit $0
Total Closing Fees* $920
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

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.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
2.750%
APR
3.449%
Monthly Payment
$1,433
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $1,358
Estimated Mortgage Insurance Payments $75
Total Monthly Mortgage Payment $1,433
Lender Fees $3,500
Lender Credit $0
Total Closing Fees* $3,500
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

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.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews

5 Year ARM Rates as low as

Interest Rate
2.625%
APR
2.948%
Monthly Payment
$804
Sebonic Financial
Interest Rate
2.625%
APR
2.948%
Monthly Payment
$804
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $804
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $804
Lender Fees $2,890
Lender Credit $0
Total Closing Fees* $2,890
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

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.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
2.750%
APR
2.947%
Monthly Payment
$817
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $817
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $817
Lender Fees $1,962
Lender Credit $0
Total Closing Fees* $1,962
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

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.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Capital One
Interest Rate
2.750%
APR
2.979%
Monthly Payment
$817
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $817
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $817
Lender Fees $2,762
Lender Credit $0
Total Closing Fees* $2,762
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Mortgage rate quotes displayed on LendingTree LoanExplorer℠, including loan pricing data, rates and fees, are provided by third party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®, LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc.

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Pennsylvania Mortgage Rates and Assistance for Homebuyers
Pennsylvania was one of the original 13 colonies of the United States of America; it’s understandably been a popular destination for potential homeowners for over 200 years. If you’re looking to buy in Pennsylvania, you'll have your choice between historic brick homes and large country estates, and everything in between.

Current Pennsylvania mortgage rates depend on the economic climate and your qualifying financial criteria, but with proper research and the right resources, you can find a good deal on new financing. Here are the details on a variety of different programs that serve people who want to live in Pennsylvania and are looking for low PA mortgage interest rates.

Current PA Mortgage Rates and the REAL Program
If it's been a while since you purchased your home, PA mortgage interest rates may have changed. Homeowners who are having financial difficulty keeping up with their payments can benefit from refinancing at lower rates. The Refinance to an Affordable Loan Program (REAL) provides PA residents with a 30-year, fixed-rate loan. This program offers loans that feature flexible credit underwriting and keep homeowners from experiencing foreclosure. In order to qualify, participants must meet certain income requirements and be less than 59 days delinquent on their current mortgage.

Keystone Home Loan Program: Low Pennsylvania Mortgage Interest Rates
Pennsylvania is called the Keystone State, lending its name to this mortgage loan program. The Keystone Home Loan Program is available to first time homebuyers in Non-Target areas, or any home buyers purchasing a home in Target areas.  It is also available to those in the military.

The Keystone Home Loan Program includes FHA (Federal Housing Administration), VA (Veterans Affairs) and RHS (Rural Housing Service) loans. The 30-year, fixed-rate loans obtained through this program offer lower interest than current PA mortgage interest rates.

HOMEstead Down Payment Assistance with PA Mortgage Interest Rates
Many Pennsylvania homebuyers need help with their down payment and closing costs, regardless of their PA mortgage rates. For people experiencing this difficulty, the HOMEstead Down Payment and Closing Cost Assistance Loan helps them become homeowners.

This program is designed to help people by allowing them to make a down payment of 3 percent of the cost of the home, or just $1,000 for those with a credit score of 660 or higher. If the lender requires a higher down payment, the HOMEstead program covers the difference, including all closing costs.

Obtaining Low-Interest Pennsylvania Mortgage Rate Programs
Any of these programs can be accessed by working with the Pennsylvania Housing Finance Authority (PHFA). This official department of the government of Pennsylvania government can help connect home buyers and home owners with programs that will help them get the best rates.

In addition to loan programs, the PHFA has credit counseling and homebuyer education programs. These programs are available through the Comprehensive Housing Counseling Initiative.