Sebonic Financial Omdömen 

Sebonic was the best part of the home buying process. Our rate was by far lower than anything we could get locally. However, the best part was the communication and willingness to always explain things in detail. I never felt lost during the process. I would recommend Sebonic to anyone looking for a mortgage/refinance.

I am pleased to review Sebonic Financial for their assistance in our home refinance. The staff were professional, personal and courteous. The refinance was processed quickly and within this expected time frame. The rates and closing costs were both lower than expected. I would highly recommend their service.

Refinancing with Sebonic was smooth and painless. They were very competitive on rate and cost.

Don Sozio was my loan officer and he was very responsive to my questions and concerns. He was available outside of normal business hours to answer questions I had.

I would recommend Sebonic based upon my experience.

Faith and her team have been absolutely amazing to work with! I am so happy with the entire lending process and the amazing rate she got us. I would 100% refer her to anyone looking for a low rate and excellent service!

I want to thank Gammon for his help in this loan process. He helped with all of my questions and an issue we had with the appraiser. The underwriting speed was amazing! We would have been able to close in approximately 2 weeks except for an issue with the appraisal. That led to a mistake in the final closing disclosure, but when I pointed it out, it was fixed very quickly. I would be happy to work with them again on another loan.

Sebonic was a great way to refinance. The whole process was easy using the online tools and the electronic signatures made scanning documents and uploading very simple. They explained the rates and fees very simply and understood about shopping around for other rates. We also shopped for our own title company and they worked with them seamlessly also.

Best Lender I Have Ever Had:
(1) Very knowledgeable and professional.
(2) Best rate and no fees.
(3) Very well organized. Keeps track of all loan docs.
(4) Faith Milot can do loans perhaps most other lenders cannot do.
(5) Already referred Faith Milot to my friends.

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.

Because of the extremely long delay for the appraisal I am not able to refinance my house at the terms that I had agreed to in the beginning. This FOUR WEEKS of delay was do to waiting for the appraisal of which was picked by Sebonic.  Now it seems like I am the one that is suppose to pay for it. The delay was caused someone on Sebonic's end of this deal. I am not going to pay for something I had no control over. They had the time to get someone else to do the appraisal, but did not do so.
VERY UNHAPPY NON-CUSTOMER
Tim Penny

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.

The whole process was seamless from the initial phone interview to the closing. The originator I worked with, Pat, was very professional, thorough in his explanations, and always timely in responding to emails (often outside of regular business hours). Additionally, the closing costs and interest rate were better than the local option and the big bank option I looked into. I highly suggest that anyone seeking to refinance their mortgage obtain a quote from Sebonic Financial.

I'm really impressed with the customer service and honesty... I definitively did not expect my refi to be so painless. I would gladly do business with them again.

Good rate, meaningfully lower than local brick and mortar banks. They attempted to charge an "extension fee" when their own appraiser's glitch held up finalization for closing. It took several calls, but it was finally resolved (as they had promised) at the closing.

The software system for tracking documents is a good idea, but confusing in use. Eventually it turned out that documents requiring signatures from all borrowers are resent to all of them if any one of them doesn't sign - without identifying WHO was missing. So I kept on getting the same document to sign, without knowing why.

The people were all very pleasant, but often didn't respond to email or voicemails, leaving me guessing as to whether documentation met their needs.

Quick and easy transaction. Would do again. Did everything by online portal. Reps were good at communicating things. Was kept in the loop with frequent emails. Locked in a good rate and dropped our PMI. We're happy. Thanks