Absolutely they are. They used to be Cardinal Financial.

I have refinanced twice with them and had zero issues. 100% call them. I just locked on 3% and no fees. It's going to cost me $1500 and save me $225 a month. It is literally a no brainer. They are legit and way better than Capcenter in terms of rates. No clue how they do it but it is legit. I am and NFCU member too so I could go with them as well but they are at 3% and .25 point plus a 1% origination. Sebonic has none of that junk. Just the appraisal and local taxes.

In response to this post by 01 Hoo

Posted: 03/02/2020 at 2:31PM

Probably posted already but worth saying again.... REFINANCE NOW! -- MilwaukeeHokie 03/02/2020 09:34AM

If I have nothing to financed, I should....? ** -- thankbud 03/02/2020 2:56PM

What is this “mortgage” you speak of? ** -- BobG 03/02/2020 12:52PM

Is Sebonic legitimate? -- 01 Hoo 03/02/2020 11:52AM

Absolutely they are. They used to be Cardinal Financial. -- MilwaukeeHokie 03/02/2020 2:31PM

Yep, just keep pushing that debt out ** -- 133743Hokie 03/02/2020 5:29PM

Not me.... I just know the time value of money. Others maybe not. ** -- MilwaukeeHokie 03/02/2020 5:31PM

We refinanced in december at 3.625%. Shrugs ** -- Conan the Hokie 03/02/2020 11:19AM

In the process now, locked in at 3.5 for 20, haven't closed yet ** -- HokieForever 03/02/2020 12:10PM

Go 30. The spread between 15, 20, and 30 is nothing right now. -- MilwaukeeHokie 03/02/2020 2:38PM

I just checked, Chase has their 15 yr at 2.875% ** -- BTHokie 03/02/2020 12:47PM

I just did. Got in at just under 3.4. ** -- Nortazhokie 03/02/2020 11:18AM

Checking it out now. My 30 year fixed APR is 4.5% as we speak... ** -- ElbertoHokie 03/02/2020 11:13AM

What is 20 year loan, 15? ** -- HokieForever 03/02/2020 09:37AM

2.625 on a 15 but that was Friday. Guessing another 1/8th drop today -- MilwaukeeHokie 03/02/2020 09:40AM

Sounds like a perfect time to borrow money to put into the market! -- EDGEMAN 03/02/2020 09:49AM

Absolutely they are. They used to be Cardinal Financial.

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