Sebonic Financial

NMLS: 66247
State License: MC-1825
4.6 out of 5

92% recommended

We have that perfect combination you’ve been searching for in a mortgage lender: simplicity and speed at an affordable price. Mortgages may be complex, but leave that up to us. We’ve made the process simple so our customers benefit from a streamlined lending experience. Proprietary loan processing technology that yields a fast and simple loan process for purchases and refinances. Flexible products to meet every borrowers needs.

  • Competitive rate and fee combinations
  • Better Business Bureau Accredited
  • FHA and VA Approved Lender

Customer Service Rating

Knowledge
4.7
Level of service
4.6
Professionalism
4.7
Responsiveness
4.6
1106 out of 1173 rates honored

Consumer Reviews

(1173 reviews)
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The reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

Showing 10 of 1173 Reviews

Matt H
Houston, Texas

6/13/2018

Great experience, and low fees!

I have used Cardinal Financial in the past for a refinance, and I was so pleased with the experience and rates that I just used them again to buy my next house. The rates and fees are super competitive, our loan closed on time without issues, and they were on top of it every step of the way. Even my... show more

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes

Danielle M.
Austin

6/6/2018

So Amazing! No need to go to a local lender!

Tamara was so great!!!! She was super quick to respond to any questions and was so helpful!. So I will admit in the beginning I was a little worried about going with Sebonic. My real estate agent said to be wary of online companies and that it is better to go with a brick and mortar lending co t... show more

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes

Jose Covarrubias
Norwalk, CA

6/4/2018

Great for home loans

I used Cardinal Financial for my home loan. The entire process was made easy and their rates were much better than at my credit union. I recommend them to anyone seeking a home loan.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes

Janis
Wilmington Delaware

6/1/2018

easy experience

What an easy experience this has been, working with the folks at Cardinal Financial to refinance my home. Taylor Hovis was fantastic and walked me through step by step. What I perceived to be a nightmare turned out to be very easy, thanks to your great employees. Thank you, one and all !

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes

Lu Marques
Virginia

5/31/2018

Very professional staff

Easy process, excellent job by the staff responding to all questions and very competitive mortgage rates and closing costs.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes

Angela M.
Madison, AL

5/22/2018

Wonderful, seamless experience

We had an excellent experience refinancing through Cardinal! John and HollyAnn were there for us through each step of the process, and often explained each step more than once since this was our first refinancing experience. I was very impressed with their professionalism and knowledge while maintai... show more

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes

Justin
Huntsville, AL

5/22/2018

Great Refinancing

Cardinal Financial through "Sebonic" provided a speedy and efficient refinance. Our lending officer gave us many options and painted the whole picture to figure out the best option for our growing family. Our closing was a week late but that was on our title company not on Cardinal. Our team worked ... show more

Knowledge
5.0
Level of service
4.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes

Matthew Cunningham
Dallas

5/17/2018

On Time Closing

Expectations were met, closed on time and got a good rate.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes

Larisa
Texas

5/17/2018

Couldn't be happier!

We couldn't be happier. The process was really easy and they were always quick in response. Rates were competitive and we closed on time with no stress. Great experience!

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes

Tammy
Salem, VA

5/13/2018

GREAT EXPERIENCE!

This truly was the easiest mortgage I have ever obtained! From the beginning to the end! If you are looking to purchase or refinance, you have to check Cardinal/Sebonic out!

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes