David Murrow and team did a fantastic job closing both my primary home and my second home refinances. Outside of a small issue with the appraiser outside of their control they were quick, efficient and transparent through the entire process along with pricing that wasn't matched anywhere. I would highly recommend them to anyone looking to close a home refinance.

I had an excellent experience with Sebonic Financial. They responded to every inquiry I had in a timely fashion, were very competitive with their pricing and even matched a new offer from a competitor's "customer retention" program after we had progressed a little ways into the loan process. I would highly recommend them.

David and his team were incredibly helpful in the process of helping me buy my first home. He worked around the clock to answer my questions and help me through every step. If you are looking for someone to work with I strongly recommend David!

David, Nicola, and Leonela were great to work with. They walked us through every step and made a stressful situation a breeeeeeze Very knowledgeable and friendly

We refinanced our house through first direct lending. They got us a great rate, a shorter mortgage, and cash for updates to our house. I would recommend them to anyone needing to refinance.

The process was easy and the rates and fees were as advertised. I was worried about using an online vendor that there would be a bait and switch, but it turned out perfect. Great process all around.

David Murow's performance excided our expectations. His professionalism and attention to detail awarded my husband and me with a the result of a very fast, and flexible, closing.Thank you David, Best regards,Humberto and Norma Jortack

I was unsure about refinancing on the phone and online, but it went very well. I had contacted another firm before but my questions were not getting answered to my satisfaction. David answered all of my questions and the process went very well.

Working with David was an absolute pleasure. Highly recommend him as he is extremely knowledgeable and made the entire loan process easy. He made a rather scary venture, one extremely positive and uplifting (first time home owner).

David always returned calls promptly and addressed all my concerns. I am a very satisfied customer. He was extremely knowledgable and closed my loan inside of 30 days