603K498; Cardinal Financial, NMLS No. 6719, Licensed under the Virginia State Corporation Commission. Sebonic Financial is a division of Cardinal Financial Company, which is a mortgage lending institution founded in 1987. All financial products, shopping products and services are presented without warranty. 0 0 0. If I purchase another home I will definitely use Cardinal again. Founded in 2013, it’s a division of Cardinal Financial. Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. ... Chief Credit Officer at Cardinal Financial Company, Limited Partnership. Cardinal Financial takes data security very seriously. Loan Officer Roundpoint mortgage. 1-10 of 20. Rocket Mortgage by Quicken Loans: NMLS#3030, Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, Purchase, Refinance, Jumbo, Fixed, Adjustable, Get more smart money moves — straight to your inbox. Sebonic Financial — a division of Cardinal Financial — is a consumer-direct lending company that aims to provide a fast, competitively priced mortgage experience. 88 Cardinal Financial Reviews and Complaints @ Pissed Consumer 13 reviews of Cardinal Financial "Found them through bankrate.com where they come as Sebonic financial and have best rates. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. 66247, Mortgage Lender License No. 111 Sebonic Financial Reviews and Complaints @ Pissed Consumer This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. MN-MO-66247; Residential Mortgage Originator License Other Trade Name #1 License No. 21782. NerdWallet strives to keep its information accurate and up to date. So how do we make money? 8701663, Licensed by the New Jersey Department of Banking and Insurance, New Mexico Mortgage Loan Company License NMLS ID # 66247, Licensed Mortgage Banker-NYS Banking Department #B500951, North Dakota Money Broker License No. Due to the coronavirus pandemic, getting a mortgage may be a bit of a challenge. ML011951, Licensed by the Pennsylvania Department of Banking and Securities, Mortgage Lender License No. Alabama Consumer Credit License No. If you can’t pay your current home loan, refer to our, resource. Lenders are dealing with high loan demand and staffing issues that may slow down the process. 15-2210. One of the most important considerations when choosing a mortgage lender is understanding what the loan will cost. Cardinal Financial, also doing business as Sebonic Financial, is a mortgage lender that has both physical branches and online capabilities. Some lenders just charge higher upfront fees. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department … As a founding member of Cardinal Financial at its re-birth in 2013, Colin joined the firm because of his desire to be a part of a mortgage lender that was going to do things differently. Doesn’t offer home equity loan products or renovation mortgages. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. Frequently asked questions. Hawaii Mortgage Servicer License No. MLS - 66247 OTN #2, South Dakota Mortgage Lender License No. Arizona Mortgage Banker License No. Also, some lenders have increased their fees or temporarily suspended certain loan products. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. MLS - 66247; South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #2 License No. While it's not always the case, paying upfront fees can lower your mortgage interest rate. calculator. Octane is our proprietary loan origination technology we built for our borrowers and loan officers. Sebonic Financial — a division of Cardinal Financial — is a consumer-direct lending company that aims to provide a fast, competitively priced mortgage experience. The company, which offers full mortgage services and is an approved seller for Freddie Mac and Fannie Mae, specializes in providing quick home financing through a simplified loan application process. CL-66247; CL-1060801; CL-1062477, West Virginia Mortgage Lender License No. For the latest information on how to cope with financial stress during this pandemic, see NerdWallet’s, Compare Sebonic Financial with other lenders, Sebonic Financial loan types and products, Sebonic Financial offers a full nonbank selection of fixed- and adjustable-rate mortgages, including FHA, VA and USDA loans. Cardinal Financial Company, Limited Partnership P.O. 20132934LL; Rhode Island Loan Broker License No. Offers a variety of mortgage options, including FHA, VA and USDA loans. HI-66247 Cardinal Financial is powered by Octane. 6718; Vermont Lender License - Other Trade Name #1, No. 15-2210. Cardinal Financial Company (or) Sebonic financial. Our partners compensate us. EXISTING ACCOUNT. Average rates from other lenders. A free inside look at company reviews and salaries posted anonymously by employees. AK66247. 66247; Montana Mortgage Broker License 66247 Cardinal Financial Company is a nationwide lender that provides modernized home financing solutions. 8687522; Utah DRE Mortgage Entity License Other Trade Name #1 No. The company also offers refinancing options and jumbo loans for houses priced above current conforming loan limits. 66247BA; Wisconsin Mortgage Broker License 66247BR, Mortgage Lender/Broker License No. You can contact Sebonic Financial by dialing (855) 561-4944 or visit their website sebonic.com before filing a lawsuit. Good for: borrowers who want a loan with flexible down payment and credit score requirements. Our opinions are our own. NE66247, Licensed by the New Hampshire banking department – License No. 0925883, Arkansas Combination Mortgage Banker-Broker-Servicer License No. All Rights Reserved. Founded in 2013 by the former president of Roundpoint Financial, Sebonic operates as a subsidiary of Cardinal Financial Company, a Charlotte-based mortgage lender founded in … Charlotte, North Carolina Area. We believe everyone should be able to make financial decisions with confidence. You can decide to buy discount points — a fee paid with your closing costs — to reduce your mortgage rate. 21782. — a fee paid with your closing costs — to reduce your mortgage rate. and mortgage rates. 6475; 06-20659; 06-20660, Massachusetts Mortgage Lender License MC66247; Massachusetts Mortgage Lender License - OTN#1 MC66247; Massachusetts Mortgage Broker License MC66247, 1st Mortgage Broker/Lender/Servicer Registrant No. Pre-qualified offers are not binding. The lender is … Sebonic doesn’t publish mortgage rates online or offer home equity loans or lines of credit. MB102631, Ohio Residential Mortgage Lending Act Certificate of Registration MBMB.850199.000, Oklahoma Mortgage Lender License No. Sebonic Financial offers a full nonbank selection of fixed- and adjustable-rate mortgages, including FHA, VA and USDA loans. In-state branch located at 800 E. 101st Terrace, Suite 350, Office #366, Kansas City, MO 64131. NerdWallet cannot verify Sebonic Financial’s fees and mortgage rates from the latest HMDA data available because Sebonic isn’t required to report to the federal database (it reports as part of Cardinal Financial instead). A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. Licensed in all 50 states and DC For the latest information on how to cope with financial stress during this pandemic, see NerdWallet’s financial guide to COVID-19. Call {{first_name}} Current mortgage interest rates aren’t publicly visible anywhere on the Sebonic website, even after submitting the rate quote contact form. Established in 2013 and headquartered in Charlotte, N.C., Sebonic Financial offers a wide range of home loans for both purchases and refinances. The company also offers refinancing options and jumbo loans for houses priced above current, Sebonic Financial mortgage rates and fees, Borrowers should consider the balance between. The company does not offer banking options or any other financial product beyond mortgages. Borrowers should consider the balance between lender fees and mortgage rates. 1601 et seq.]. Sebonic violated Real Estate Settlement Procedures Act of 1974 [12 U.S.C. Cardinal, a Pennsylvania-based mortgage lender, is Florez’s new employer and the parent … MB-36514, Wisconsin Mortgage Banker License No. Missouri Company License No. The Good. Purchase rates. MBL-8598, Illinois Residential Mortgage Licensee No. 20183636LB, Mortgage Lender / Servicer License No. A free inside look at Cardinal Financial Company salary trends based on 247 salaries wages for 117 jobs at Cardinal Financial Company. We don’t have rates available from Sebonic Financial Mortgage. I asked for a compliance investigation. Tap to learn how COVID-19 may affect mortgage shopping, Due to the coronavirus pandemic, getting a mortgage may be a bit of a challenge. Sebonic Financial Pros and Cons. Montana : Montana Mortgage Lender License No. 15 reviews of Sebonic Financial "TLDR: highly recommend for mortgage loans. Utah DRE Mortgage Entity License No. Missouri Company License No. Salaries posted anonymously by Cardinal Financial Company employees. SL-3916. Disclaimer: NerdWallet strives to keep its information accurate and up to date. While thinking about giving up on a mortgage loan after the horrible customer service from NFCU I felt depressed and hopeless. Some lenders will charge higher upfront fees to lower their advertised interest rate and make it more attractive. Cardinal Financial Company, Limited Partnership (NMLS ID 66247) dba Sebonic Financial. AK66247; Alaska Mortgage Broker/Lender License – Other Trade Name #1, No. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Visit the NMLS Consumer Access website for regulatory information about us. 66247. Average home details. The branch has 115 loan officers. In FEAR, she backed out of that investigation request. The good news is their parent company Cardinal Financial is Better Business Bureau (BBB) accredited and has been since 2014. Aug 2013 – Jun 2014 11 months. Sebonic Financial operates under the parent company, Cardinal Financial Company, Limited Partnership. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. FR0018734; 2nd Mortgage Broker/Lender/Servicer Registrant No. Deciding whether to pay higher upfront fees is a matter of considering how long you plan to live in your home and how much cash you have to apply toward. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Sebonic Financial is located at 3701 Arco Corporate Dr #201, Charlotte, NC 28273, USA. However, after doing some.hard research and recommendations with Sebonic, I was excited again. Her work has been featured by The Associated Press and Money magazine, among others. 1666, Mortgage Dual Authority License No. MC.0025207, Kentucky Mortgage Company License No. It is a consumer-direct lender that has worked in the home financing industry for nearly 30 years. When evaluating offers, please review the financial institution’s Terms and Conditions. To provide consumers with a general sense of what a lender might charge, NerdWallet scores lenders on two factors regarding fees and mortgage rates: A lender's average origination fee compared with the median of all lenders reporting under the Home Mortgage Disclosure Act. Prospective borrowers can check the status of their loan application, review and upload documents and maintain contact with their loan team via Sebonic's online platform. Loans made or arranged pursuant to a California Finance Lenders Law license, License No. Sebonic Financial, a division of Cardinal Financial Company, is a direct lender offering a variety of mortgage products including FHA and VA loans. It operated 3 business segments: commercial banking, mortgages, and wealth management services. SR0021952, Residential Mortgage Originator License No. They currently have an A+ BBB rating and a 4.25 out of 5-star rating based on roughly 200 customer reviews. Also, some lenders have increased their fees or temporarily suspended certain loan products. The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. A toll-free consumer hotline is available at 1-877-276-5550. Mortgage interest rates aren't published online. Box 0054 Palatine, IL 60055. Alaska Mortgage Broker/Lender License No. Sebonic Financial is a direct-to-consumer mortgage lender. Though it relies heavily on automated technology, Sebonic Financial says it prides itself on maintaining a personal connection. Sebonic Financial offers an all-digital mortgage process, supplemented with human guidance. 264 Cardinal Financial Company reviews. MLB66247; MLB1060801; MLB1062477, Mortgage Lender Servicer License No. Alaska Mortgage Broker/Lender License No. Conducting business under Cardinal Financial Company, Limited Partnership as well as Sebonic Financial. 125 reviews from Cardinal Financial employees about Cardinal Financial culture, salaries, benefits, work-life balance, management, job security, and more. License No. Sebonic Financial Benefits. Some lenders just charge higher upfront fees. Conducting business under Cardinal Financial Company, Limited Partnership as well as Sebonic Financial. MLD236, Hawaii Mortgage Loan Originator Company License No. 2013-0127; Iowa Mortgage Banker License - Other Trade Name #2 #2018-0076, Kansas Licensed Mortgage Company; License No. The bottom line: Sebonic Financial offers a standard variety of mortgage types and products, and the convenience of a digital application process. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Many or all of the products featured here are from our partners who compensate us. 105783. Though Cardinal has been around since 1987, the Sebonic brand launched in 2013 after an ownership change. Montana Mortgage Lender License No. Some lenders will charge higher upfront fees to lower their advertised interest rate and make it more attractive. ML010197; Oklahoma Mortgage Lender License - Other Trade Name #1 No. ML-21279; West Virginia Mortgage Broker License License No. and the Truth in Lending Act [15 U.S.C. Pros and cons of a Sebonic Financial mortgage. Given the range of Sebonic Financial reviews that are available on a number of different online review sites, it may be difficult to determine whether Sebonic Financial is the right resource for your home loan needs. Offers a variety of online conveniences, including a digital application and loan process updates. The suit also lists Cardinal Financial as a defendant. Sebonic Financial is a branch of Cardinal Financial Company, Limited Partnership and is located at 5055 W Park Blvd, Ste 300, Plano, TX 75093. Cardinal Bank was a bank headquartered in McLean, Virginia that operated in Northern Virginia. It’s a robust, industrial-grade platform designed to make doing business with us faster, easier, and more efficient than ever before. Copyright 2021 Sebonic Financial. 20829; Pennsylvania Mortgage Servicer License License No. A lender's offered mortgage rates compared with the best available on comparable loans. 19692, Iowa Mortgage Banker License No. For licensing information, go to www.nmlsconsumeraccess.org, Indiana DFI First Lien Mortgage Lending License No. Alabama Consumer Credit License No. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data. Cardinal Financial Company, Limited Partnership dba Sebonic Financial holds the following state licenses to make mortgage loans or operate under a licensing exemption as described below. While it's not always the case, paying upfront fees can lower your mortgage interest rate. MS162, Idaho Mortgage Broker/Lender License No. Was somewhat afraid based on negative reviews on some websites (including Yelp), and did not trust hundreds/thousands of 5-star reviews on sites like Zillow and LendingTree, considering it all fake. When evaluating offers, please review the financial institution’s Terms and Conditions. MC98128, Louisiana Residential Mortgage Lending License, Maine Supervised Lender License No. We are no way affiliated with better business bureau or yelp reviews platform. Cardinal Financial Company, Limited Partnership dba Sebonic Financial holds the following state licenses to make mortgage loans or operate under a licensing exemption as described below. Summary . Kathi Berger. 66247; Montana Mortgage Broker License 66247, Nebraska Mortgage Banker License No. Lenders are dealing with high loan demand and staffing issues that may slow down the process. {{last_name}}. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. 8687317; Utah-DRE Mortgage Entity License - Other Trade Name #2 License No.10915869, Vermont Lender License No. Vice President Of Production at Sebonic Financial Baltimore, Maryland Area 500+ connections. Our partners cannot pay us to guarantee favorable reviews of their products or services. MN-MO-66247.1, Licensed by the Mississippi Department of Banking and Consumer Finance; License No. MB.6760960. In-state branch located at 800 E. 101st Terrace, Suite 350, Office #366, Kansas City, MO 64131. Jul 2014 – Present 5 years 11 months. Visit the. If you’re an existing Cardinal Financial customer, you may click below to make a payment or view your account details on Dovenmuehle Mortgage, Inc. Make a Payment ML.05041. Here is a list of our partners. NerdWallet's ratings are determined by our editorial team. MC-1825, NMLS ID # 66247 (www.nmlsconsumeraccess.org); Mortgage Broker License 1426MB, Consumer Loan Company License No. 66247, (855) 561-4944, Regulated by the Division of Real Estate, Delaware Licensed Lender License No. Tips for finding the best mortgage lender, Beth Buczynski is a mortgages editor at NerdWallet. However, this does not influence our evaluations. Our NMLS ID is 66247. For Colin, the vision to leverage technology to lower costs and offer a sharp price … Deciding whether to pay higher upfront fees is a matter of considering how long you plan to live in your home and how much cash you have to apply toward closing costs when you sign the loan paperwork.

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