NMLS# 66247
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.
Very slow, inefficient, unprofessional process
Shadi Babich himself provided okay service, and tried do what he can to help close the refi loan. I am extremely unhappy with Sebonic/Cardinal as a company. It is unprofessional and extremely inefficient. They wasted my time asking for the same documents over and over again and repeated same verifications multiple times - the entire process is broken. It took 7 months to close my refi and I was promised closing in 30 days. Totally unacceptable.
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Tamara did an awesome job in processing our refinance application
We have gone through purchasing and refinancing several times over the past few years and Tamara was by far the best. She was always quick to respond and on top of things throughout the process. She made the process efficient and hassle free, correcting issues whenever needed. With many applications being processed, she pushed ours through without the usual long waiting. It was a pleasure and we wish we had her for all of our loan processings.
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Quick and efficient!
Victoria was great at every step of the way! She helped me answer all my queries and got me a good rate. The underwriting team was fast in execution as well, and they had multiple personnel working on my file so, all documentation was completed before the closing date. I was impressed with the way the team coordinated to get my loan close so quickly.
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