Sebonic FinancialReviews of sebonic.com

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.

From the initial conversation with Josh where a competitive rate was offered with no pressure to underwriting preparation with Scott where he was patient when our appraisal didn't come in as expected and provided options to the preparation of documents for closing with Whitney and finally our closing agent Stan the whole experience was quick, efficient and painless. And I didn't pay a premium for this outstanding service. In fact, they were the least expensive option in terms of rate and overall transaction fees. Refinancing in Maryland is never cheap because of county taxes and fees, but Sebonic/Cardinal held the line and even adjusted my credit upwards midway through the process because rates had improved.

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!

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.

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!

I would recommend working with Ylber Burgija. Polite, fast and my purchase loan was processed without any delays, hiccups or problems.

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.

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.