Sebonic Financial Avis 136

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.

Great experience. Excellent communication. Rates were among the best available. Everything went smoothly and I would definately have no concerns with using Sebonic again in the future.

My experience with Sebonic Financial exceeded expectations! Every step of the way, they were professional, friendly, and timely. I've completed my refinance and couldn't be happier with how they handled the entire transaction, from start to finish. I have already been recommending them to my friends.

I had zero problems with my refinance. Any issues were quickly addressed without delays. I refinanced, save $200 a month with a great rate almost no cost. Great experience.

We had a fantastic experience with our refi! We got quick accurate information, and although they were quite busy with other customers I felt they really cared about our loan and even made adjustments we needed. Not only did they have the best rates, but having us close at our own house made things a breeze. Would totally recommend to friends and family-- and we have!

I was a bit leery about applying for a hone loan online. Given this was my home purchase, I did not know what to fully expect in the process of applying for a loan. The idea of not being able to meet with someone one-on-one to answer questions and step me through the process was a bit intimidating.
I couldn’t have had a better experience. Everyone at Sebonic made time for me, answered all my questions and made themselves available both by phone and by email. They made sure that I was informed with all the available information at every step of the loan process. Communication was thorough, professional and complete. And, when it came to processing documents, the process couldn’t be more modern. Just about every step was paperless and handled online through their secure web site.
Sebonic is modern home loans at its best. Competitive rates, smooth transactions, thorough communication. I would highly recommend Sebonic to anyone looking for an awesome home loan.

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.

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!

The processing department is amazing! They were very instrumental in streamlining the process and getting me to the close!
I did some challenges with sales from a communication standpoint ... otherwise, great to do biz with
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Great communication throughout, very efficient and all terms were met. Refi process took about 30 days. Would recommend to others.

They were great! No complaints. Everything went smoothly. Everyone was very nice and patient. I was very pleased with the service and the entire process was relatively easy. I had some problems with my credit report that showed a home equity line of credit as being open (it wasn't - it belonged to a property we had since sold). This was not the fault of Sebonic and was the only frustrating part of the whole process.

Overall this was an easy and successful transaction. The timeline and communication could use a little work, as my loan was delayed several times for clerical/processing reasons, and I was often the one asking for reasons/answers vs. being told quickly what was going on. However, each person I dealt with was fantastic to work with, quick to respond when I asked a question, and friendly with issue resolution. I would highly recommend Sebonic to those looking to refinance their loan.

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!

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 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.

Great experience with Sebonic Financial (Cardinal Financial). Closed refinance in less than 30 days. Great rate. Would highly recommend this lender.

I started the whole process on a holiday weekend (Memorial Day) and the loan still closed in about 30 days with no extra fees or rate lock in problems. I was thrilled. I had a nightmare refinance in the past so I had many questions and needed constant reassurance and some hand holding. My originator always called me back immediately when I e-mailed, even on weekends, holidays, whenever. I was amazed and very appreciative. I would have no reservations recommending Cardinal Financial for on line refinance or mortgage to anyone, especially if you have a good scanner, good internet service or access to fax machine. Then it should be a fairly painless process for you. Bye bye big bank that previously held my mortgage and good riddance.

I inquired about a home refinance in early June and found myself signing closing papers just a few weeks later. Fast and easy process that I'd recommend to anyone. Online lending is the way to go!

My experience dealing with Sebonic and Cardinal Financial has definitely been a positive one. I found a very low rate online quote from Sebonic. When I called the loan originator he was knowledgeable, polite, responsive, and he honored the quote I had received online. He described the process of refinancing with them and set my expectations. All happened just as he described.

I helped the process by providing all the required documentation within 24 hours of being asked. My loan processor, the underwriting team, and the closing team also did what they were supposed to do, as evidenced by the fact that my loan closed, and the funds were disbursed, on time, exactly as agreed from the start of the loan process (with my loan costs and lender credit exactly as disclosed since the quote was given).

Very Satisfied,
Claudio R.

Just closed a refinance, transaction was smooth and I will include them in my searches in the future for additional financing needs.