Sebonic Financial Omdömen 

I requested a quote online from sebonical website and an agent reached out to me on phone. In my request, I entered all the details correctly and pointed out that I'm buying a rental property. Agent, did no pay attention to the detail and promised me to match the online advertised rates and kept insisting to submit the application form.
I sent him the online rates and filled the forms as asked for the same day.

In the morning when I followed-up, same a agent called me back and he was very rude. He accused me of playing games and not being honest with him, which is incorrect, as I had entered all the details correctly in my request, but he did not pay attention to it. Further he said, I'm the one to blame because I did not bring this up during phone conversation. He kept saying I wasted his time.

While I understand the confusion, rudeness and unprofessional language was total uncalled for. Can not be trusted for that reason.

I do not recommend Sebonic. I had a loan officer named Mr. Burgija email me a 30 yr rate quote on July 20th , And emailed me the following day a list of there good reviews , so I completed there information we opened title and escrow and after 2+weeks , another loan officer calls to say she is taking over the file as the first loan officer was no longer with the co. & said sorry we’re not able to honor that rate , the first loan officer did not include cost of subordination request. I sent her the email from him showing it did , she apologized again said she would check with management and they still would not honor there quote. Very unprofessional I have excellent credit , income, home is free and clear should have been easy one to close in a month. If you get a quote from this co you should also ask there management team to approve it.

I'm not the type to give anybody compliments, but I highly recommend Sebonic, especially my loan officer, Justin Fry. He was fantastic, unlike my previous loan officer at another bank. He was honest, up front, and handled everything with my best interest at hand. I highly recommend Justin. You can count on him! I will definitely contact him again in case I need to refi again.

Faith Milot I like to thank her to the moon and back she was so welcoming and professional and knowledgeable, on time following up she got the job done

I just wanted to let everyone know how amazing this team is. This experiance was delightful!!! John D’Amato was the main contact and George Williams have to say they were truly amazing!!! They were responsive, informative and professional... I read tons of reviews and my experiance was amazing plus they beat 3 other local lenders out with a better interest rate. Thank you guys.

This is the 4th time that I’ve been through a finance/refinance process and it was by FAR the worst. I’ve never had to gather so many documents, and do as much gathering as I did with Sebonic. After stating that email was the best form of communication for me, they continued to try and contact me elsewise. I very specifically told them to lock the rate in one day and they didn’t until the next after the rates went up more. It was a constant lack of communication and errors on the documents nonstop. The ONLY reason I stayed with them instead of switching was because of the time crunch of a divorce settlement. Which, by the way is difficult enough, but Sebonic magnified the horror of the divorce process multiple times over.
I was so glad to finally close the deal, so that I didn’t have to deal with them anymore, but sure enough, the closing has been a nightmare also. Scheduled and confirmed for 4 PM, but after rearranging our day, taking the day off last minute (because I wasn’t aware we were closing that day until the afternoon before) the notary didn’t show until 7, and the stack of papers was horrendously large - she didn’t leave until after 9. The worst part, Sebonic wasn’t even properly prepared for the closing...some of the docs hadn’t been prepared yet!!
I will NEVER do business with Sebonic/Cardinal Financial ever again, and I would urge you to STAY AWAY!!

I talked to about 10 different lender agents; half through bankrate.com and half to local banking institutions. However, I quickly realized that the best rates will come through either credit union or bankrate.com. We couldn't qualify for credit union in our area. So, the only option was to go with bankrate.com. I contacted Faith regarding my situation and told I am not sure if I doing online mortgage will be a good idea and my real estate agent is not recommending it. She educated me in initial weeks to do self comparisons before making the decision. This is what I did and found her interest rates were always lower in the market. We made the decision and went with her. The whole process went very smoothly. I am so happy that we went with her not only in making the best deal but also for future easy communications through phone or email. If you can get a deal through credit union, I would highly recommend to call her and get the best deal. Good luck, Bhupinder

Sebonic/Cardinal and my loan representative Justin Fry did and excellent and timely job on our re-finance. Justin's follow-up and sense of urgency was excellent. In fact they were ready to close within 3 weeks of initial call.

They had the best rates and were able to close quickly. Good communication and fast close.

I recently finished building a home at the beginning of the year and we had a higher rate with the builders lending company. We locked in right around the elections, so rates were a bit higher. Just a few weeks ago I came across Sebonic Financial on Google and looked into a refinance.

Working with Sebonic Financial was one of the easiest loan processes I have ever dealt with. If you are good with doing your due diligence on all your required documents, they are just as quick on getting your loan processed. We got it closed in 16 days! The loan officer I worked with was knowledgable and quick to respond to all communications. I highly recommend Sebonic!

Justin Fry was amazing - he was very patient and willing to explain all the things I didn't understand. My mortgage refinance was way above my expectations, and I am thrilled! I will recommend him to anyone who has financial needs, and I would use him again in a heartbeat.

Just closed on a 15 year, 2.875 refi with Sebonic. Best mortgage experience of my life! Thank you to Jason and Andrew Booth for the quick turnaround! Got it done in less than 3 weeks!

Great experience, Fast process....

My experience with Sebonic was excellent. The loan coordinator, as well as Don Sozio, the loan originator, were both prompt communicators, kept our timeline and had the lowest closing costs and rates out there. The online document upload portal was super easy to use and made the process close to seamless. Would recommend.

Fantastic experience overall. Super easy and efficieny. All electronic documents and signatures. Great online portal to track progress and to do lists. Could not be simpler. Rate was by far the best out there.

Absolutely Great Experience, everything went smoothly with no problems. What was stated at the beginning was in the contract at closing. I couldn't find anyone that could beat the rate that I received. A special Thanks To Phil Smith and Hollyann Jones, absolute professionals, what more can I say other than THANK YOU.

I was skeptical of Sebonic when I applied for a refinance via Bankrate. I hadn't heard of the company and went strictly off of the reviews. My peace of mind was put to rest by John Ruskin (Loan Originator) and Cy Lokuan(Loan Processor). Both individuals are highly responsive, diligent, and accurate in their work. In the end, Sebonic actually ended up having the cheapest rate, APR, and fees. This was compared to Guaranteed Rate and Chase. I would recommend Sebonic to any of my friends for a re-finance!

Brian B and Liz M were very helpful every step of the way. We are so thankful and have already recommended this company to friends.

We recently refinanced with Sebonic, and it was our best mortgage-related experience to date. Each person we worked with was friendly, helpful, professional, and expeditious. The entire process was seamless, and we closed in three weeks. We were even able to schedule our closing at our convenience at our own home!