NMLS# 66247

4.7 of 5stars726 Reviews

Sebonic Financial

  • Recommended Lender
    Recommended 93%
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Lender Summary

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.

What they're saying

Ratings & Reviews
726 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

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:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

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:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Loan Officer Review
  • Loan Officer:

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 Type:

    Refinance
  • Review Type:

    Lender Review

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LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

Sebonic Financial

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