Sebonic Financial is a subsidiary of Cardinal Financial Company, which has been operating as a mortgage banking firm since 1987. Sebonic is a licensed Fannie Mae, Freddie Mac, and Ginnie Mae lender. It is also an approved lender for the Department of Housing and Urban Development/FHA, the Department of Veteran Affairs, and the USDA.

What Home Loan Products Does Sebonic Offer?

Sebonic Financial provides:

- Home purchase loans

- 15-year, 30-year terms

- Refinance loans

- Home equity loans and lines of credit

Mortgages are provided for single family homes, multiple family homes, townhomes, condos, mobile homes, and manufactured homes.

What Are Sebonic Financial's Rates And Terms?

Rates vary depending on the loan amount, term, and the credit rating of borrowers. Sebonic Financial's rates start at 3% APR.

A typical home loan for a 30-year fixed rate mortgage of $240,000 with a 20% downpayment may have a 3.563% APR, a loan origination fee of $1500 and an appraisal fee of $500.

How Does Sebonic Financial Compare To Other Lenders?

- Sebonic has a quick and simple application process that uses intuitive technology.

- It has good customer support.

- Competitive rates.


  • Institution Type
    Direct Lender
  • Intended Use
    Primary Home
  • Initial Processing Fee
  • Primary Residence
  • Estate/Trust/Retirement
  • Loan Amount
    Up to $3000000
  • APR
    Starting at 3%
  • Terms
    15, 30
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