Sebonic Financial Review

Rating: 7.2 / 10 (Very good)
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Sebonic Financial is a North Carolina-based company founded in 2013 to offer online mortgage lending solutions for home loans. They're a direct mortgage lender that offers mortgage refinancing for conventional, FHA, USDA and expanded loans via their online service, which is quick and reliable. They have a five-star rating with TrustPilot.

How is Sebonic Financial rated?

Breakdown

8/10
Loan Options
7/10
Application Process
7/10
Reputation

Overall Rating: 7.2 / 10 (Very good)

Despite being a relatively new mortgage lender, founded in 2013, Sebonic Financial has quickly developed a reputation for excellent service and good rates. They don't offer cash-in or cash-out refinance options, and the specific information on their rates and terms is quite slim on their website, but they do provide every type of rate and term loan available. All in all, they are a very good option for your refinance.

Loan Options

Lender Type
Lender
Loans Offered
Rate & Term
Loan Programs
FHA
VA
Conventional
HARP
Jumbo
USDA

Loan Options - 7.5 / 10

Sebonic Financial is a North Carolina-based company that offers online mortgage solutions for their customers' home loan needs. Though they don't provide cash-in or cash-out mortgage refinance loans like other lenders, their mortgage refinance options include FHA, VA, HARP, USDA, conventional, and Jumbo loans. However, their website doesn't offer any sample information about loan specifics, until a customer actually fills out an application and divulges personal information.

Application Process

Minimum Credit Score
620
FHA Minimum Credit Score
580

Application Process - 7 / 10

Sebonic Financial's application process is simple and assisted every step of the way by professional loan originating and processing officers. Customers rave about the company's helpful, attentive service, which more often than not, results in a quick approval and financing.

Sebonic Financial Reputation

Memberships & Regulatory Info.

Nationwide Mortgage Licensing System ID
66247
Nationwide Mortgage Regulatory Actions
1
NMLS Collection Date
2017-07-17
Total VA Loans Written (Q1 2017)
371 loans
Total VA Loan Amount (Q1 2017)
$109,728,081

Online Reviews

Trustpilot Trustscore
9.4
BBB Rating
A+
BBB Positive Reviews
99
BBB Negative Reviews
24
BBB Neutral Reviews
3
Date Collected
2017-07-17

Reputation - 7 / 10

Though Sebonic Financial has one regulatory action with the Nationwide Mortgage Licensing System, this is well below average for the industry. They have overwhelmingly positive customer reviews on both TrustPilot (excellent 9.4 score), and the Better Business Bureau.

Contact & Additional Information

Homepage URL
Company Phone
(855) 561-4944
Headquarters Address
3701 Arco Corporate Drive, Suite 200, Charlotte, NC, 28273
Year Founded
1987

Our Partner
7.2 / 10
  • Zero Down payment
  • 620 Minimum Credit Score
  • Loan Amounts of up to $3M
  • Fast and Easy Quotes
  • Excellent customer support services

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Sebonic Financial