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.
Excellent Responsiveness and Customer Service
The entire process was very straight forward. All I had to do was upload the necessary documents and e-sign all of the application documents and waivers. When something was needed, I would receive and email and quickly upload or sign the document.
Closed with Lender:
Concerned, Efficient and Knowledgeable Professional
This is our second refi, first with Sebonic and Tamara. Tamara's dedication to responsiveness was extraordinary and made this transaction much smoother than our first experience. Her attention to detail made us feel as though we were her only client and her responsiveness to every curveball crazy question I had made it clear she has the patience of Job and the experience necessary to provide accurate answers every time..... Thank you, Tamara!
Closed with Lender:
Don't Risk It! Use A Better Lender.
If my first transaction had been with sebonic financial - I would have never dealt with real estate again. Luckily, they are my 7th and by far the worst I have dealt with. This is a warning to anyone considering using them.
Ran my credit 3 times over the course of 1 month. When I got assigned to loan officer she immediately told me she was going out of town next week and I wouldn’t be able to reach her. We could continue the process the following week. I followed up multiple times. The day before closing they told me they couldn’t do my loan anymore due to a change in covid regulations.
I followed up with 1 bank and 1 broker with the situation and they both told me they could do my loan even with new covid regulations. I’m currently approved with another lender who is aware of all restrictions and closing in 2 weeks.
Save your time and money and go with someone better. To top it off, this whole process took about 2 month due to their slow response times and I’m out $500 on an appraisal that can’t be used at another bank.
Loan officer directory
John D'AmatoCharlotte, NC
Tamara EastridgeRockville, MD
Yll BurgijaCharlotte, NC
Michael FienbergRockville, MD
Donald SozioCharlotte, NC
Faith MilotRockville, MD
Gerson AlejandroRockville, MD
Brandon WashRockville, MD
Victoria PalellaCharlotte, NC
Deanna CollinsHenderson, NV
Justin FryRockville, MD
Brad SalinCharlotte, NC