A new kind of home lending

We took a fresh look at home lending and saw that it could be much better. Sebonic is the result of our vision.
Learn how we transformed home lending into an enjoyable experience.

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Sebonic Financial

We’re a new kind of company. A startup culture of new ideas, fast execution, and technology, with the maturity and resources of an established lender.

Read on to learn more about our new approach to lending.

A New Approach

Our approach to home lending is based on a set of core principles.
These principles guided us in building Sebonic Financial, and guide each of us everyday.



We respect you—your time, your privacy, and your trust. We’ll be honest with you. We’ll make it easy to collaborate with us efficiently, when it’s convenient for you. And your privacy is of the utmost importance to us. Our technology, processes and people ensure your information is safe and secure.


Getting a home loan can seem complicated but we make it simpler. We let you known the process and where you are in it, we give you updates, and we tell you exactly what you need to provide to complete the process.


Our vision of a new lending experience required advanced technology, so we invented it. It’s what enables us to provide the speed, convenience, accuracy and low cost that sets us apart.


Technology seems to be a part of everything we do these days. But sometimes you just want to talk to a real person. Not a problem—we have great people.

Give us a call. You’ll get a real person—not a prompt to press a key. And the person you’ll speak with is trained and committed to making your experience a great one.


Your loan experience is our product and we are committed to its quality. The key to a smooth loan process is accuracy. Every step of our process is designed to prevent and eliminate errors. We have checks on every step to ensure things are done right.


By allowing you to collaborate with us on your loan, and by automating much of our processing, your loan moves from quote to closing faster than any of our competitors.

Low Cost

Our unique approach allows us to offer lower closing costs, lower monthly payments, and lower cost for you over the life of your loan.

Our Process

We changed the loan process to make it better, faster and easier for you. You’re involved and updated every step of the way, and we give you great tools to collaborate with us. Here’s how it works.

Learn about your loan

A home loan is an important decision. You should know more about your loan than interest rate, monthly payment and estimated fees. But that’s what most lenders provide.

Our loan consultants will explain your loan options in detail, and provide you everything you should know, in simple language.


Once you’ve selected a loan option, we’ll walk you through your application, asking simple questions. It takes most people about 30 minutes. There’s no obligation even after you apply.

Gather your documentation

Getting a home loan requires you to provide documents, such as pay stubs and bank account statements. Getting the documents right is important.

Most lenders give you a vague, one-size-fits-all list. Our technology analyzes your application and creates a custom-tailored list of documents with a checklist for each. This ensures your loan will be processed as fast as possible.

Send documents securely

Some lenders make you mail or fax your documents to them—or worse—tell you to email them. Email is not secure and you should never email private documents to anyone.

We let you upload your documents online over a secure connection. Your documents are sent to our servers and are instantly available to your loan team.

Sign forms how you want

Signing documents shouldn’t involve paper, fax or mail. We let you review and e-sign your documents securely online. Rather sign in ink? No problem. Download, sign, scan and upload.

Changes welcomed

Things change. After applying, you might want different terms, or a different loan amount. No problem. Your loan team can create other options and present them to you. You can switch, and your loan won’t get derailed.

We’ll take care of the rest

We assure you that your loan will move smoothly—from application to closing. We’ll give you updates each step of the way, and be there if you have questions or need help. We’ll take care of everything, and you’ll have a great experience.

Get Started

Let us show you a better way to a home loan. Call us to speak with a loan consultant now.

1-855-561-4944 Free Rate Quote