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Lenders give loans based on the appraisal estimate of the fair market value of the home. The loan amount is based on the loan-to-value (LTV) which compares the ratio of the loan to the value of the home being purchased. Semper can’t lend you more than the appraised value, so having an appraisal come in on target or above, is ideal.
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Semper Home Loans is an Equal Opportunity Employer. Semper Home Loans does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
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