Sebonic Financial Mortgage Review 2024

<!DOCTYPE html> <html lang="en-US"> <head> <title>Sebonic Financial Mortgage Review 2024</title> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1" > <meta name="title" content="Sebonic Financial Mortgage Review 2024" > <meta name="datePublished" content="2024-07-20T16:02:06Z" > <meta name="dateModified" content="2024-07-20T16:02:06Z" > <meta name="news_keywords" content="Personal Finance, Mortgages" > <meta name="description" content="Sebonic Financial may be a good choice if you're looking for an FHA or jumbo mortgage. But it doesn't offer as many benefits as other lenders. 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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Sebonic Financial Mortgage Review 2024","alternativeHeadline":"Sebonic Financial Mortgage Review 2024","image":{"@type":"ImageObject","url":"https://i.insider.com/6373ce94828491001b2c75b6?width=1200&format=jpeg","width":1200,"height":900,"caption":"Sebonic Financial is a division of Cardinal Financial, another online mortgage lender."},"name":"Sebonic Financial Mortgage Review 2024","datePublished":"2024-07-20T16:02:06Z","dateModified":"2024-07-20T16:02:06Z","description":"Sebonic Financial may be a good choice if you're looking for an FHA or jumbo mortgage. But it doesn't offer as many benefits as other lenders. See if Sebonic is right for you.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.6205%Conforming, FHA, VA, USDA, jumboThe bottom line: Sebonic Financial is a solid choice for government-backed and jumbo mortgage borrowers. But overall, its offerings are fairly basic, and it has few special features that might attract borrowers. It also doesn't disclose mortgage rates online.FHA loan borrowers can get mortgages with credit scores as low as 550Offers an interest-only, jumbo, adjustable-rate mortgage optionEasily upload documents and track your application through Sebonic's convenient lending platformSebonic doesn't show any sample rates online. It doesn't disclose what types of lender fees it charges, or how much borrowers might pay for those fees.To get a rate quote from Sebonic, you'll need to provide some information about the home you want to purchase and your credit, as well as your email and phone number. Then, according to its website, a loan officer will reach out within a few minutes.Types of mortgagesConforming, FHA, VA, USDA, jumboTypes of mortgagesConforming, FHA, VA, USDA, jumbo, manufactured home, unique homesStandout featureLow credit score FHA loansStandout featureUnique home financingSebonic Financial is a division of the online mortgage lender Cardinal Financial, but Cardinal Financial offers a couple more mortgage options than Sebonic.With Cardinal Financial, borrowers can finance the purchase of a manufactured home or a unique type of home, including tiny homes or shipping container homes. Since it can be difficult to get a mortgage for these dwelling types, this lender is a good option for those looking to buy something other than a standard single-family property.Both lenders use Octane, Cardinal's proprietary loan origination platform. Octane makes uploading documents for your application or tracking your status simple and convenient. Types of mortgagesConforming, FHA, VA, USDA, jumboTypes of mortgagesConforming, jumbo, FHAStandout featureLow credit score FHA loansStandout featureNo lender feesGovernment-backed loan borrowers will likely prefer Sebonic Financial to Better Mortgage. Sebonic offers FHA, USDA, and VA loans and allows scores as low as 550 on its FHA loans. Better requires a score of at least 580 on FHA loans.Better could be a more affordable option, though, since it doesn't charge any lender fees on its mortgages. But affordability also depends on the rate you get, so it could be worth it to get preapproved with both lenders to see which one offers the overall better deal. You can get started with Sebonic Financial online or over the phone. Sebonic lends in all 50 states and Washington, DC.Sebonic Financial offers the following types of mortgages:You'll need at least a 5% down payment to get a conforming mortgage with this lender. Many lenders offer conforming options with down payments as low as 3%, so if you're looking to make a smaller down payment, you'll likely need to look elsewhere.If you have a low credit score, you might like Sebonic's FHA mortgage, since it allows scores as low as 550. But keep in mind that if you get an FHA loan with a score below 580, you'll need to make a 10% down payment. Cardinal Financial, the company that Sebonic Financial is a division of, has an A+ rating from the Better Business Bureau. A strong BBB grade indicates a company is honest in its advertising, transparent about business practices, and effective in responding to customer complaints.Sebonic Financial hasn't been involved in any recent public scandals.On its Zillow lender profile, Sebonic has a 4.43 out of 5-star rating, based on over 3,000 online customer reviews. Sebonic Financial doesn't share its rates online or let borrowers see customized rates without providing contact information. To get a rate quote, you'll need to fill out a form on its website and wait for a loan officer to contact you, which should only take a few minutes.Yes, Sebonic Financial is a direct lender that offers conforming, FHA, VA, USDA, and jumbo loans.Sebonic Financial is a division of the online mortgage lender Cardinal Financial. Its headquarters are based in Charlotte, North Carolina.For our review of Sebonic Financial, we used our methodology for reviewing mortgage lenders.We look at four factors — loan types, affordability, customer satisfaction, and trustworthiness — and give each a rating between 1 and 5, then we average these individual ratings for the overall lender rating. Lenders get higher ratings if they offer a large number of loan types with affordable features, have positive customer reviews, and don't have any recent public controversies.","articleSection":"Personal Finance, Mortgages","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What are Sebonic Financial's mortgage rates?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Sebonic Financial doesn't share its rates online or let borrowers see customized rates without providing contact information. To get a rate quote, you'll need to fill out a form on its website and wait for a loan officer to contact you, which should only take a few minutes.</p>"}},{"@type":"Question","name":"Is Sebonic Financial a direct lender?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, Sebonic Financial is a direct lender that offers conforming, FHA, VA, USDA, and jumbo loans.</p>"}},{"@type":"Question","name":"Who is Sebonic Financial?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Sebonic Financial is a division of the online mortgage lender Cardinal Financial. 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toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Sebonic Financial Mortgage Interest Rates and Fees </a> </li> <li> <a href="#compare-to-other-mortgage-lenders" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare to Other Mortgage Lenders </a> </li> <li> <a href="#how-sebonic-financial-works" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How Sebonic Financial Works </a> </li> <li> <a href="#is-sebonic-financial-trustworthy?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Is Sebonic Financial Trustworthy? </a> </li> <li> <a href="#faq" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </ul> </div> </header> <nav class="component my-insider with-banner style-loading" data-my-insider data-component-type="my-insider" data-load-markup="my-insider/template" data-load-strategy="interaction" > <div class='my-insider-header'></div> <div class='my-insider-nav-and-content'></div> </nav> <section id="l-main-content" class="masthead " data-content > <div> <div class="hub-wrapper has-subnav hub-wrapper-helpfulness pfi"> <div class="vertical-title-wrapper"> <div class="hub-nav-wrapper"> <nav class="hub-nav style-loading" data-component-type="hub-nav" 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class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best First Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Business Credit Cards </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" 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class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Checking Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Money Market Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best CD Rates </a> </li> <li 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/mortgages" class="" data-track-click="{"product_field":"Mortgages","element_name":"breadcrumbs","event":"navigation"}" > Mortgages </a> </span> </div> <h1 class="post-headline ">Sebonic Financial Mortgage Review 2024</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Molly Grace" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/molly-grace" >Molly Grace</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/laura-grace-tarpley" >Laura Grace Tarpley</a> </div> <time class="byline-timestamp 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class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#overall-lender-rating" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Overall Lender Rating </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#pros-and-cons" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Pros and Cons </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#sebonic-financial-mortgage-interest-rates-and-fees" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Sebonic Financial Mortgage Interest Rates and Fees </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#compare-to-other-mortgage-lenders" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare to Other Mortgage Lenders </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-sebonic-financial-works" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How Sebonic Financial Works </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#is-sebonic-financial-trustworthy?" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Is Sebonic Financial Trustworthy? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faq" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#overall-lender-rating" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Overall Lender Rating </a> </li> <li> <a href="#pros-and-cons" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Pros and Cons </a> </li> <li> <a href="#sebonic-financial-mortgage-interest-rates-and-fees" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Sebonic Financial Mortgage Interest Rates and Fees </a> </li> <li> <a href="#compare-to-other-mortgage-lenders" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare to Other Mortgage Lenders </a> </li> <li> <a href="#how-sebonic-financial-works" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How Sebonic Financial Works </a> </li> <li> <a href="#is-sebonic-financial-trustworthy?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Is Sebonic Financial Trustworthy? </a> </li> <li> <a href="#faq" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate mortgages</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div> <div id="sebonic-financial-mortgages" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Sebonic Financial Mortgages</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://www.myfinance.com/reporting/32341908/?sub_id=PubSubIDHere&utm_campaign=bizin-mtg-blf-link" rel="nofollow noindex" data-analytics-product-id="63753b9ad6a5350011cfa043" data-analytics-product-brand="Bankrate" data-analytics-product-name="Sebonic Financial Mortgages" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Compare rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Bankrate's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://www.myfinance.com/reporting/32341908/?sub_id=PubSubIDHere&utm_campaign=bizin-mtg-blf-link" rel="nofollow noindex" data-analytics-product-id="63753b9ad6a5350011cfa043" data-analytics-product-brand="Bankrate" data-analytics-product-name="Sebonic Financial Mortgages" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63753afe807d55001800e7ba?width=400" alt="Bankrate Sebonic Financial Mortgages"> <noscript> <img src="https://i.insider.com/63753afe807d55001800e7ba?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="63753b9ad6a5350011cfa043-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7136234503386052"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7136234503386052)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.03044416210625478"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.03044416210625478)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9576634486766176"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9576634486766176)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4262116700375791"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4262116700375791)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.779307290776565"> <stop stop-color="#faa809" offset="11%"></stop> <stop stop-color="white" offset="11%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.779307290776565)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.11<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">620</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Down Payment </strong> </div> <p class="financial-product-card__specs__text headline-regular">5%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Types of Loans Offered </strong> </div> <p class="financial-product-card__specs__text headline-regular">Conforming, FHA, VA, USDA, jumbo</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="63753b9ad6a5350011cfa043" data-analytics-product-brand="Bankrate" data-analytics-product-name="Sebonic Financial Mortgages" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Accepts low scores on its FHA loans</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Offers an interest-only jumbo ARM</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Easy online application process</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Minimum 5% down on conventional loans</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Lacks rate and fee transparency</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Need to talk to a loan officer to get a rate quote</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> </div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Available in all 50 states and Washington, DC</li> <li class="financial-product-card__product-details__list-item">Offers jumbo loan amounts up to $3 million</li> <li class="financial-product-card__product-details__list-item">Minimum credit score and down payment displayed are for conforming mortgages</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="63753b9ad6a5350011cfa043" data-analytics-product-brand="Bankrate" data-analytics-product-name="Sebonic Financial Mortgages" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><aside class="quick-tip headline-regular ignore-typography"><p><strong>The bottom line: </strong><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="63753b9ad6a5350011cfa043" data-analytics-product-brand="Bankrate" data-analytics-product-name="Sebonic Financial Mortgages" href="https://www.myfinance.com/reporting/32341908/?sub_id=PubSubIDHere&utm_campaign=bizin-mtg-blf-link">Sebonic Financial</a> is a solid choice for <a href="https://www.businessinsider.com/personal-finance/government-home-loans" data-analytics-product-module="body_link" rel="">government-backed</a> and <a href="https://www.businessinsider.com/personal-finance/what-is-a-jumbo-loan" data-analytics-product-module="body_link" rel="">jumbo mortgage</a> borrowers. But overall, its offerings are fairly basic, and it has few special features that might attract borrowers. It also doesn't disclose <a href="https://www.businessinsider.com/personal-finance/average-mortgage-interest-rate" data-analytics-product-module="body_link" rel="">mortgage rates</a> online.</p></aside><h2 data-toc-label="Overall Lender Rating" id="overall-lender-rating" class="toc-anchor">Sebonic Financial: Overall Lender Rating</h2><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 132px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Feature</td><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Personal Finance Insider rating (out of 5)</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Loan types</td><td style="width: 50%; height: 22px; text-align: center;" class="headline-regular">3.5</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Affordability</td><td style="width: 50%; height: 22px; text-align: center;" class="headline-regular">3.5</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Customer satisfaction</td><td style="width: 50%; height: 22px; text-align: center;" class="headline-regular">4.43</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Trustworthiness</td><td style="width: 50%; height: 22px; text-align: center;" class="headline-regular">5</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Total</td><td style="width: 50%; height: 22px; text-align: center;" class="headline-regular">4.11</td></tr></tbody></table></div><h2 data-toc-label="Pros and Cons" id="pros-and-cons" class="toc-anchor">Sebonic Financial Pros and Cons</h2><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%;" border="1" class="table-content"><tbody class="table-content-body"><tr><td style="width: 50%;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Pros</strong></td><td style="width: 50%;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Cons</strong></td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold"><ul><li><p class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/fha-loan" data-analytics-product-module="body_link" rel="">FHA loan</a> borrowers can get mortgages with credit scores as low as 550</p></li><li><p class="headline-regular">Offers an <a href="https://www.businessinsider.com/personal-finance/interest-only-mortgage" data-analytics-product-module="body_link" rel="">interest-only</a>, jumbo, <a href="https://www.businessinsider.com/personal-finance/adjustable-rate-mortgage" data-analytics-product-module="body_link" rel="">adjustable-rate mortgage</a> option</p></li><li><p class="headline-regular">Easily upload documents and track your application through Sebonic's convenient lending platform</p></li></ul></td><td style="width: 50%;" class="headline-regular"><ul><li aria-level="1">Requires at least 5% down on its <a href="https://www.businessinsider.com/personal-finance/conforming-loans" data-analytics-product-module="tables" rel="">conforming mortgages</a></li><li aria-level="1">Doesn't disclose rates or fees online</li><li aria-level="1">You'll need to fill out a form and talk to a loan officer to get a customized rate</li></ul></td></tr></tbody></table></div><h2 data-toc-label="Sebonic Financial Mortgage Interest Rates and Fees" id="sebonic-financial-mortgage-interest-rates-and-fees" class="toc-anchor">Sebonic Financial Mortgage Interest Rates and Fees</h2><p>Sebonic doesn't show any sample rates online. It doesn't disclose what types of lender fees it charges, or how much borrowers might pay for those fees.</p><p>To get a rate quote from Sebonic, you'll need to provide some information about the home you want to purchase and your credit, as well as your email and phone number. Then, according to its website, a loan officer will reach out within a few minutes.</p><div class="insider-raw-embed" data-type="embed" data-embed-type="raw" id="3898b677-4301-474e-8039-ebb943ceee1a"><div class="myFinance-widget" data-campaign="bi-mtgrt-cashoutrefi-multi" data-widget-id="949ce8ea-ccee-498f-8c33-e019c09fd52f"><script async="" type="text/javascript" id="myFinance-widget-script">!function () {function e() {var s = "myFinance-widget-ad-script";if (!document.getElementById(s)) {var e = document.createElement("script"), n = document.getElementById("myFinance-widget-script"), a = t + "widget/myFinance.js";e.id = s, e.type = "text/javascript", e.async = !0, e.src = a, n.parentNode.insertBefore(e, n);}var c = "myFinance-widget-css";if (!document.getElementById(c)) {var d = document.getElementsByTagName("head")[0], i = document.createElement("link");i.id = c, i.rel = "stylesheet", i.type = "text/css", i.href = t + "widget/myFinance.css", i.media = "all", d.appendChild(i)}}var t = "https://static.myfinance.com/";document.attachEvent ? document.attachEvent("onreadystatechange", function () {"complete" === document.readyState && e()}) : document.addEventListener("DOMContentLoaded", e, !1)}();</script></div></div><h2 data-toc-label="Compare to Other Mortgage Lenders" id="compare-to-other-mortgage-lenders" class="toc-anchor">Compare Sebonic Financial to Other Mortgage Lenders</h2><h3>Sebonic Financial vs. Cardinal Financial Mortgages</h3><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 242px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 108px;"><td style="width: 50%; height: 108px;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 127 / 898)"> <meta itemprop="contentUrl" content="https://i.insider.com/63753afe807d55001800e7ba"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/63753afe807d55001800e7ba":{"contentType":"image/jpeg","aspectRatioW":898,"aspectRatioH":127}}" alt="Sebonic Financial logo"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Sebonic Financial </span> </span> </figure> </td><td style="width: 50%; height: 108px;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 294 / 1815)"> <meta itemprop="contentUrl" content="https://i.insider.com/636565e3c816990018949014"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/636565e3c816990018949014":{"contentType":"image/jpeg","aspectRatioW":1815,"aspectRatioH":294}}" alt="Cardinal Financial logo"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Cardinal Financial </span> </span> </figure> </td></tr><tr style="height: 90px;"><td style="width: 50%; height: 90px; text-align: left;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular">Types of mortgages</strong></p><p class="headline-regular">Conforming, FHA, VA, USDA, jumbo</p></td><td style="width: 50%; height: 90px; text-align: left;" class="headline-regular"><p class="headline-regular"><strong class="headline-regular">Types of mortgages</strong></p><p class="headline-regular">Conforming, FHA, VA, USDA, jumbo, manufactured home, unique homes</p></td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold"><p style="text-align: left;" class="headline-regular"><strong class="headline-regular">Standout feature</strong></p><p style="text-align: left;" class="headline-regular">Low credit score FHA loans</p></td><td style="width: 50%; height: 22px;" class="headline-regular"><p style="text-align: left;" class="headline-regular"><strong class="headline-regular">Standout feature</strong></p><p style="text-align: left;" class="headline-regular">Unique home financing</p></td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px; text-align: left;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="63753b9ad6a5350011cfa043" data-analytics-product-brand="Bankrate" data-analytics-product-name="Sebonic Financial Mortgages" href="https://www.myfinance.com/reporting/32341908/?sub_id=PubSubIDHere&utm_campaign=bizin-mtg-blf-link">Get started</a></td><td style="width: 50%; height: 22px; text-align: left;" class="headline-regular"><strong class="headline-regular">Get started</strong></td></tr></tbody></table></div><p>Sebonic Financial is a division of the online mortgage lender <a href="https://www.businessinsider.com/personal-finance/cardinal-financial-mortgage-review" data-analytics-product-module="body_link" rel="">Cardinal Financial</a>, but Cardinal Financial offers a couple more mortgage options than Sebonic.</p><p>With Cardinal Financial, borrowers can finance the purchase of a manufactured home or a unique type of home, including tiny homes or shipping container homes. Since it can be difficult to get a mortgage for these dwelling types, this lender is a good option for those looking to buy something other than a standard single-family property.</p><p>Both lenders use Octane, Cardinal's proprietary loan origination platform. Octane makes uploading documents for your application or tracking your status simple and convenient. </p><h3>Sebonic Financial vs. Better Mortgages</h3><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 224px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 127 / 898)"> <meta itemprop="contentUrl" content="https://i.insider.com/63753afe807d55001800e7ba"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/63753afe807d55001800e7ba":{"contentType":"image/jpeg","aspectRatioW":898,"aspectRatioH":127}}" alt="Sebonic Financial logo"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Sebonic Financial </span> </span> </figure> </td><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 320 / 1200)"> <meta itemprop="contentUrl" content="https://i.insider.com/603688ddbed5c50011a2c463"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/603688ddbed5c50011a2c463":{"contentType":"image/jpeg","aspectRatioW":1200,"aspectRatioH":320}}" alt="better logo1"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Better.com </span> </span> </figure> </td></tr><tr style="height: 90px;"><td style="width: 50%; height: 90px;" class="headline-regular headline-semibold"><p style="text-align: left;" class="headline-regular"><strong class="headline-regular">Types of mortgages</strong></p><p style="text-align: left;" class="headline-regular">Conforming, FHA, VA, USDA, jumbo</p></td><td style="width: 50%; height: 90px;" class="headline-regular"><p style="text-align: left;" class="headline-regular"><strong class="headline-regular">Types of mortgages</strong></p><p style="text-align: left;" class="headline-regular">Conforming, jumbo, FHA</p></td></tr><tr style="height: 90px;"><td style="width: 50%; height: 90px;" class="headline-regular headline-semibold"><p style="text-align: left;" class="headline-regular"><strong class="headline-regular">Standout feature</strong></p><p style="text-align: left;" class="headline-regular">Low credit score FHA loans</p></td><td style="width: 50%; height: 90px; text-align: left;" class="headline-regular"><p class="headline-regular"><strong class="headline-regular">Standout feature</strong></p><p class="headline-regular">No lender fees</p></td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px; text-align: left;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="63753b9ad6a5350011cfa043" data-analytics-product-brand="Bankrate" data-analytics-product-name="Sebonic Financial Mortgages" href="https://www.myfinance.com/reporting/32341908/?sub_id=PubSubIDHere&utm_campaign=bizin-mtg-blf-link">Get started</a></td><td style="width: 50%; height: 22px; text-align: left;" class="headline-regular"><strong class="headline-regular"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="61436d9c13cd0400189df844" data-analytics-product-brand="Better" data-analytics-product-name="Better Mortgage" href="https://secure.money.com/pr/acdd3782122b">Get started</a></strong></td></tr></tbody></table></div><p>Government-backed loan borrowers will likely prefer Sebonic Financial to <a href="https://www.businessinsider.com/personal-finance/better-mortgage-review" data-analytics-product-module="body_link" rel="">Better Mortgage</a>. Sebonic offers FHA, USDA, and VA loans and allows scores as low as 550 on its FHA loans. Better requires a score of at least 580 on FHA loans.</p><p>Better could be a more affordable option, though, since it doesn't charge any lender fees on its mortgages. But affordability also depends on the rate you get, so it could be worth it to get preapproved with both lenders to see which one offers the overall better deal. </p><h2 data-toc-label="How Sebonic Financial Works" id="how-sebonic-financial-works" class="toc-anchor">How Sebonic Financial Works</h2><p>You can get started with Sebonic Financial online or over the phone. Sebonic lends in all 50 states and Washington, DC.</p><p>Sebonic Financial offers the following types of mortgages:</p><ul><li>Conforming loans</li><li>FHA loans</li><li><a href="https://www.businessinsider.com/personal-finance/va-loans" rel="">VA loans</a> </li><li><a href="https://www.businessinsider.com/personal-finance/usda-loan" rel="">USDA loans</a></li><li>Jumbo mortgages — including an interest-only jumbo option, which allows you to only pay interest on your mortgage for a period of time, after which you'll pay both interest and principal</li></ul><p>You'll need at least a 5% down payment to get a conforming mortgage with this lender. Many lenders offer conforming options with down payments as low as 3%, so if you're looking to make a smaller down payment, you'll likely need to look elsewhere.</p><p>If you have a low credit score, you might like Sebonic's FHA mortgage, since it allows scores as low as 550. But keep in mind that if you get an FHA loan with a score below 580, you'll need to make a 10% down payment. </p><div class="insider-raw-embed" data-type="embed" data-embed-type="raw" id="c9b3f4d4-a96f-4ce9-a755-28d4ab4ec932"><div class="ca-widget" data-token="b0fcaf368fe6"></div><script async="" defer="" src="https://www.consumersadvocate.org/embeds/embedder.js?v=1"></script></div><h2 data-toc-label="Is Sebonic Financial Trustworthy?" id="is-sebonic-financial-trustworthy?" class="toc-anchor">Is Sebonic Financial Trustworthy?</h2><p>Cardinal Financial, the company that Sebonic Financial is a division of, has an <a href="https://www.bbb.org/us/nc/charlotte/profile/mortgage-lenders/cardinal-financial-company-limited-partnership-0473-333791" data-analytics-product-module="body_link" rel=" nofollow">A+ rating</a> from the Better Business Bureau. A strong BBB grade indicates a company is honest in its advertising, transparent about business practices, and effective in responding to customer complaints.</p><p>Sebonic Financial hasn't been involved in any recent public scandals.</p><p>On <a href="https://www.zillow.com/lender-profile/Sebonic%20Financial/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">its Zillow lender profile</a>, Sebonic has a 4.43 out of 5-star rating, based on over 3,000 online customer reviews. </p><h2 data-toc-label="FAQ" id="faq" class="toc-anchor">Sebonic Financial FAQ</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are Sebonic Financial's mortgage rates? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Sebonic Financial doesn't share its rates online or let borrowers see customized rates without providing contact information. To get a rate quote, you'll need to fill out a form on its website and wait for a loan officer to contact you, which should only take a few minutes.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is Sebonic Financial a direct lender? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, Sebonic Financial is a direct lender that offers conforming, FHA, VA, USDA, and jumbo loans.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Who is Sebonic Financial? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Sebonic Financial is a division of the online mortgage lender Cardinal Financial. Its headquarters are based in Charlotte, North Carolina.</p> </div> </div> </div><h2 id="why-you-should-trust-us">Why You Should Trust Us: How We Reviewed Sebonic Financial</h2><p>For our review of Sebonic Financial, we used <a href="https://www.businessinsider.com/personal-finance/how-we-evaluate-mortgage-lenders" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="100" data-mrf-link="https://www.businessinsider.com/personal-finance/how-we-evaluate-mortgage-lenders">our methodology for reviewing mortgage lenders</a>.</p><p>We look at four factors — loan types, affordability, customer satisfaction, and trustworthiness — and give each a rating between 1 and 5, then we average these individual ratings for the overall lender rating. Lenders get higher ratings if they offer a large number of loan types with affordable features, have positive customer reviews, and don't have any recent public controversies.</p><div class="ca-widget" data-token="x13d55880b64" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="molly-grace"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Headshot of Molly Grace"> <noscript> <img src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Molly Grace</div> </a> <div class="post-author_title headline-regular">Mortgage Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Molly Grace is a mortgage reporter for Business Insider with over six years of experience writing about mortgages and homeownership. </span><span><span class="headline-semibold">Experience</span></span><span>In addition to her daily mortgage rate coverage, Molly also writes mortgage lender reviews and educational articles on homebuying and analyzes data and economic trends to give readers actionable and up-to-date information about the housing market.</span><span>She also tracks affordable mortgage and down payment assistance programs offered throughout the country to keep her readers informed of homebuyer programs available to them. </span><span>Before Business Insider, Molly was a blog writer for Rocket Companies and helped to create Rocket Mortgage’s Shorty Award-winning podcast <em>Home. Made</em>.</span><span>Molly is passionate about covering personal finance topics with empathy. Her goal is to make homebuying knowledge more accessible, especially for groups that may think homeownership is out of reach. </span><span><span class="headline-semibold">Expertise</span></span><span>Molly is an expert in the following topics:</span><ul><li><span>Mortgages and mortgage lenders</span></li><li><span>Home equity</span></li><li><span>The housing market</span></li><li><span>The economy and the forces that impact mortgage rates</span></li><li><span>Budgeting and saving</span></li><li><span>Credit</span></li><li><span>Insurance</span></li><li><span>Retirement savings</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Molly earned a bachelor's degree in journalism from Indiana University. </span><span>She is based in Michigan and has a dog and two cats. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a 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