I had a pre-approval from my credit union and signed a contract based on that. When I approached Sebonic, (a Cardnial Financial Company) We had to close our deal within a month. Loan originator Tamara Eastridge was patient and knowledgeable to take questions from a first time home buyer like me. She answered, explained the process and mortgage jargons. On my part I had almost all the documentations needed in hand and I made sure bank was never waiting for any document or response from my side. Our response time to the bank for any of their queries was few minutes and response time to document requests was maximum of few hours. Also the Loan processor Heidi Ortiz was very helpful and responsive. On top of this goodness, their fees and rates were best in the market when I was shopping for mortgage rates. Though there were few hours of delays on the closing day, we did close on the planned closing date. Thanks to named ladies and others who helped behind the scenes to help us buy our first home. I strongly recommend Sebonic to all my friends and family.

I was more than a little nervous about the prospect of working with someone that I 1) found on the internet based on great advertised rates and 2) would never meet in person. I'd never purchased a home before and the entire prospect was daunting. As I began to discuss an application with Mike, I felt more comfortable with each passing conversation. He is kind, friendly, thorough, and knowledgable. I'm a tough client - extremely detail-oriented and very quick to pick up the phone - and Mike made himself available, and maintained his kind, patient demeanor throughout the process. He answered my questions and addressed my concerns professionally, and accurately. When all was said and done, the process was seamless and stress-free, my rate was better than every other offer, my closing costs were far below market, and I was a home owner with a lot more money (and likely time) than I would have had remaining had I worked with the other lender I was courting. This went so well that I was genuinely sad to close, and say goodbye to Mike....well, until we buy our next place!