Sebonic FinancialReviews of sebonic.com

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.