Sebonic FinancialSebonic Financial is a nationwide direct mortgage lender that provides modernized home financing solutions. As a trusted industry leader for nearly 30 years, Sebonic upholds the fundamental belief that top-notch customer service is key. Using a unique combination of proprietary technology and human expertise, we’re making the complicated process of obtaining a home loan simpler and easier.Reliable. Realtime. Reinvented. Sebonic has the home financing you need at the speed you deserve.
Sebonic Financial (sebonic.com) has 136 customer reviews on Five Star Index, with an average rating of 4.1 out of 5.
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Investments & Wealth · Wilmington, North Carolina
Excellent
Investments & Wealth · Madrid, North Carolina
Excellent
Investments & Wealth · Charlotte, North Carolina
Excellent
Investments & Wealth · Raleigh, North Carolina
Excellent
136 approved reviews, newest moderated first
Hasan
Cheapest interest rate I got (3.25% rate + origination charge $1220) from Sebonic/Cardinal on Zillow (Aug 2016). By comparison Quicken loan gave me 3.25% rate for $4500 origination! Cardinal did close home in less than 4 weeks!
Ed
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.
Jay R.
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!
Aaron B.
I would recommend working with Ylber Burgija. Polite, fast and my purchase loan was processed without any delays, hiccups or problems.
Zachary
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.
Harish
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.
Luke
The whole process was seamless from the initial phone interview to the closing. The originator I worked with, Pat, was very professional, thorough in his explanations, and always timely in responding to emails (often outside of regular business hours). Additionally, the closing costs and interest rate were better than the local option and the big bank option I looked into. I highly suggest that anyone seeking to refinance their mortgage obtain a quote from Sebonic Financial.
Oscar F.
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.