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Sebonic Financial Online Loan Reviews

Company Name: Sebonic Financial
Email: [email protected]
Phone: 1-855-561-4944
Overall average rating of 4.7 out of 5, and the percentage of positive recommendations 83 %
Sebonic Financial was awesome, Great Rates and Exceptional people to work with. My Refinancing went very smooth and everything was as mentioned in the initial Loan Estimate.
They had the best rates and were able to close quickly. Good communication and fast close.
I have once again did a refi with Cardinal and I was very pleased. Previously I did a refi in 2014 and was very happy to do it again to lower my rate. This time I had a small delay with the closing, but Meagan and April where able to sort things out and kept me in the loop the entire time. This was another simple process as everything was online and this time I got notices each time something was added for me to review or sign. The closing process was very simple and as always, everything was explained so that there would be no surprises.
The loan process was like no other I have experienced. Over the years I have financed homes and refinanced some of those also, but none compares to Sebonic Financial. Everyone I talked with were very helpful and knowledgeable. Scott Haire (loan Originater ) and April Clark ( loan Processor ) are true professionals. They know what they are doing and always return calls asap. Best experience ever obtaining a home loan.
Closed a new Purchase Loan
I found Sebonic on Zillow. The rates were amazing, so I took them to my local broker to give him a shot. He couldn't touch the rates and said go for it, while directing me to website that was a Cardinal Financial dissatisfied customer forum. From the get go I work with Justin Fry, Originator and then Jared Noe, Processor. I don't know what else to say other than these guys were awesome. They were both prompt, professional and true to their words. The only thing I would knock is the appraiser. Justin, tried to find an alternate, but no dice. The appraiser delayed the process by a week, wasn't professional or thorough and then low-balled the value. Fortunately, Justin immediately navigated the issues and we were back on track. The process ended with the title company rep (I unfortunately can't recall her name) making a house call to sign papers. She arrived right on time and was professional, pleasant, knowledgeable and helpful. I am by nature a suspicious person and with Justin being on the other side of the country and having never met him, my initial apprehension was through the roof. But, after this experience I would do a thousand loans with Justin and recommend him without hesitation.
Just purchased a new home using sebonic financial. They had me closed in right about 3 weeks, there rates were the lowest around with no fees. The communication from everyone involved was excellent throughout the whole process. I will definitely use them again on our next property purchase.
Great experience with Sebonic Financial (Cardinal Financial). Closed refinance in less than 30 days. Great rate. Would highly recommend this lender.
Just closed a refinance, transaction was smooth and I will include them in my searches in the future for additional financing needs.
Very impressed with Sebonic Financial. Great rate and service. Love the ease of online documents. Communication was great throughout and I always got a prompt response. Loan was closed in one month. Will definitely work with them again in the future.
I would recommend working with Ylber Burgija. Polite, fast and my purchase loan was processed without any delays, hiccups or problems.
I reached out to Cardinal Financial for a refinance need on my property. The entire process was very smooth and the team was very helpful at each step. I will definitely reach out to them again for any of similar needs.
Sebonic/Cardinal and my loan representative Justin Fry did and excellent and timely job on our re-finance. Justin's follow-up and sense of urgency was excellent. In fact they were ready to close within 3 weeks of initial call.
I'm not the type to give anybody compliments, but I highly recommend Sebonic, especially my loan officer, Justin Fry. He was fantastic, unlike my previous loan officer at another bank. He was honest, up front, and handled everything with my best interest at hand. I highly recommend Justin. You can count on him! I will definitely contact him again in case I need to refi again.
The folks at Sebonic were very helpful every step of the way. They gave an accurate estimate, uploading documents was easy, and closing was conveniently done in our own home.
All the employees that guided us through the process were very helpful! It was a very easy and simple process. Didn't think we could re-finance our home through a website and be so easy!
Michael was a great loan originator and my processor Taylor was amazing as well. The process was streamlined, efficient and fast all the way up to closing when it became a little bit bumpy. I was reassigned to a new closer without any notification and when it came time to close there was a lack of communication from my closer to my escrow and real estate agent. All parties were disconnected, and I had to get management involved with Cardinal to get things were they once were. Once management was notified things were back on track and on time. It would have been a perfect transaction if the breakdown in communication had not occurred.
Matt Hewitt is the best person I have ever worked with when buying a house. Very professional and extremely proficient. Will never go anywhere else. Great rates to make the experience even better!
I had really good experience in refinancing with Sebonic Financial. I was informed all the steps involved in the process and provided a website where I was able to upload all the documents. Entire process went smoothly I got good/competitive rates, I liked it. I would recommend to anyone.
At first, I was very skeptical refinancing with an online agent. However, this process has been extremely smooth and quick. Sebonic Financial is the most responsive Loan Company I have ever dealt with. They are quick with emails and requests, which makes me feel very comfortable when dealing with someone you have never met. They even adjusted my rate to a better one than what I was originally quoted. Sebonic Financial has gone above and beyond from what I would typically expect from a loan company I highly recommend Sebonic Financial if you are looking to have a smooth and easy mortgage transaction. Thank you again for your help and wish to do business again in the near future
I recently finished building a home at the beginning of the year and we had a higher rate with the builders lending company. We locked in right around the elections, so rates were a bit higher. Just a few weeks ago I came across Sebonic Financial on Google and looked into a refinance. Working with Sebonic Financial was one of the easiest loan processes I have ever dealt with. If you are good with doing your due diligence on all your required documents, they are just as quick on getting your loan processed. We got it closed in 16 days! The loan officer I worked with was knowledgable and quick to respond to all communications. I highly recommend Sebonic!
I requested a quote online from sebonical website and an agent reached out to me on phone. In my request, I entered all the details correctly and pointed out that I'm buying a rental property. Agent, did no pay attention to the detail and promised me to match the online advertised rates and kept insisting to submit the application form. I sent him the online rates and filled the forms as asked for the same day. In the morning when I followed-up, same a agent called me back and he was very rude. He accused me of playing games and not being honest with him, which is incorrect, as I had entered all the details correctly in my request, but he did not pay attention to it. Further he said, I'm the one to blame because I did not bring this up during phone conversation. He kept saying I wasted his time. While I understand the confusion, rudeness and unprofessional language was total uncalled for. Can not be trusted for that reason.
Because of the extremely long delay for the appraisal I am not able to refinance my house at the terms that I had agreed to in the beginning. This FOUR WEEKS of delay was do to waiting for the appraisal of which was picked by Sebonic.  Now it seems like I am the one that is suppose to pay for it. The delay was caused someone on Sebonic's end of this deal. I am not going to pay for something I had no control over. They had the time to get someone else to do the appraisal, but did not do so. VERY UNHAPPY NON-CUSTOMER Tim Penny
Faith Milot I like to thank her to the moon and back she was so welcoming and professional and knowledgeable, on time following up she got the job done
This is our second time refinancing, so we had a pretty good idea what we were getting into. Barry did a great job locking in our rate up front and very clearly letting us know what he needed from us. The site that Sebonic/Cardinal used for document uploads also was fantastic. We had all of our documentation turned in and our paperwork signed that same night. Brenna, the processor, also did a nice job early on navigating a couple of special situations we had with our insurance and with our solar panels. Where issues arose was at the end. On three separate occasions, the closing disclosures listed an incorrect loan amount, and also failed to roll our closing costs into the loan as we had requested. Barry responded to my requests and pushed to get things fixed, but the incorrect loan amount and closing costs kept showing up on the revised disclosures. I finally had to threaten to not sign off on the day before close (which also would have been the last or next to last day before the rate lock expired). Finally, on the morning we were supposed to close, they got everything correct and we were able to sign the docs. Overall, most of the experience with Sebonic was pretty painless and stress-free. I would still go through them again, but they definitely need to address some internal disconnects that they seem to have.
Smooth refinancing with Scott and Sebonic. I liked the # of documents we could DocuSign. Really made the process easier. Also appreciate the 60 day initial rate lock so that we could wrap up early rather than a scramble at the end. Thanks!
Best Lender I Have Ever Had: (1) Very knowledgeable and professional. (2) Best rate and no fees. (3) Very well organized. Keeps track of all loan docs. (4) Faith Milot can do loans perhaps most other lenders cannot do. (5) Already referred Faith Milot to my friends.
I talked to about 10 different lender agents; half through and half to local banking institutions. However, I quickly realized that the best rates will come through either credit union or We couldn't qualify for credit union in our area. So, the only option was to go with I contacted Faith regarding my situation and told I am not sure if I doing online mortgage will be a good idea and my real estate agent is not recommending it. She educated me in initial weeks to do self comparisons before making the decision. This is what I did and found her interest rates were always lower in the market. We made the decision and went with her. The whole process went very smoothly. I am so happy that we went with her not only in making the best deal but also for future easy communications through phone or email. If you can get a deal through credit union, I would highly recommend to call her and get the best deal. Good luck, Bhupinder
Sebonic was the best part of the home buying process. Our rate was by far lower than anything we could get locally. However, the best part was the communication and willingness to always explain things in detail. I never felt lost during the process. I would recommend Sebonic to anyone looking for a mortgage/refinance.
Brian B and Liz M were very helpful every step of the way. We are so thankful and have already recommended this company to friends.
Very helpful and knowledgeable throughout the entire process. Done almost exclusively through email, which was a huge plus, and very quick to respond to all my questions. We won't ever have to shop around for mortgage needs again!
Sebonic was a great way to refinance. The whole process was easy using the online tools and the electronic signatures made scanning documents and uploading very simple. They explained the rates and fees very simply and understood about shopping around for other rates. We also shopped for our own title company and they worked with them seamlessly also.
Refinancing with Sebonic was smooth and painless. They were very competitive on rate and cost. Don Sozio was my loan officer and he was very responsive to my questions and concerns. He was available outside of normal business hours to answer questions I had. I would recommend Sebonic based upon my experience.
We have worked with two other mortgage companies over the past 15 years and Sebonic Financial was the best by far. What I appreciated most was the prompt communication and the knowledge of the people I worked with. Highly recommend them.
I'm really impressed with the customer service and honesty... I definitively did not expect my refi to be so painless. I would gladly do business with them again.
Sebonic was by far the lowest rate offered, and I went from a quote to a close in about 20 days. Other lenders said things like "I've never heard of them, I bet they're a scam" or "they will hold your loan and make you pay extra fees". Other lenders lie -- they cant compete with the low rates that Sebonic is offering. At the end of the day, all NLMS licensed lenders are the same. Pick the one that gives the best offer. I wholly recommend Sebonic to anyone looking for a loan.
Great experience, Fast process....
Went with Sebonic / Cardinal Financial because of other peoples positive reviews and wasn't disappointed, They performed everything online except for the signing of the closing papers. All was done within the 30 day lock period.
I was a little nervous at first deciding to go with a online loan company. They may have a local presence somewhere but not where I live. That nervousness was about the only time I felt that way. Kevin Geraghty my loan originator was beyond awesome. He was easy to communicate with, answered all of my questions and even called me when rates lowered a bit and told me he got me a lower rate, I didn't ask or inquire during one of our calls he just said "hey our rates just lowered I'm going to drop your rate". They offered the lowest rate out of all the companies I shopped. I realtor had even said that she was very impressed with how low the closing costs were. I was able to close in 26 days and they even asked if I wanted to close earlier. 90% of the paperwork was all electronic. Bethany Evans who was the processor was equally amazing. They really made it easy and stress free. I cannot say enough good things about the buying process with these people. If your looking for a company to purchase a loan through I would say you should absolutely give them a chance.
Faith and her team have been absolutely amazing to work with! I am so happy with the entire lending process and the amazing rate she got us. I would 100% refer her to anyone looking for a low rate and excellent service!
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