Sebonic FinancialReviews of sebonic.com

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.

From the first rate query to the closing table, my loan originator was engaging and responsive and took me through the loan process with ease and transparency to refinance my existing 30-year mortgage. I took on a major new project at work just a few days after opening my loan application, and thought I wouldn't have time to deal with a mortgage refi until my work storm blew through... Faith Milot and the Sebonic loan team made it all too easy, though, and with great communication and exceptional responsiveness, the refi was a piece of cake! With a notary coming to my door to close, I really could have done the entire process without ever leaving home! Thanks for a great experience--not to mention a phenomenal rate and closing costs below the competition! I recommend Sebonic with full confidence!

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.

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.

I closed a refinance last week with Cardinal/Sebonic. My loan originator Arthur Melchionda was straightforward, explained me all the options and convinced me to get the deal. I had no problems uploading all my documents on their online portal. Closed the loan within 20 days. Will work with them again in the future.

I would highly recommend Sebonic financial. I was hesitant to go with an online company, but they had great reviews and the best rates. They were strait forward, fast, and easy to work with. Having recently gone through this process with my bank, I was pleasantly surprised at how much smoother the refinancing process went, plus I saved a lot of money!

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!

Scott, my loan originator, did a fantastic job explaining everything and was always available to answer our questions! The online portal for loading and reviewing documents worked great, and I appreciated the modern take on obtaining a mortgage. And, closing was painlessly completed at our home on a Sunday so we wouldn't have to miss work.