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About Semper Home Loans
What is a pre-approval letter?
A pre-approval letter is a document that outlines the exact amount you can borrow, contingent on certain conditions being met later. You can show that you are a serious buyer by providing this lett...
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Why do I need to get a pre-approval letter?
Pre-approval gives you real buying power. Sellers are more likely to accept an offer from a pre-approved buyer. Moving quickly when making an offer on a home can help you beat out other buyers.
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When should I get a pre-approval letter?
Pre-approval is an important first step in the loan process. It is important to have a pre-approval letter in hand before you start looking at properties. Real estate agents may require you to have...
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How do I get a pre-approval letter?
Apply online at www.gethomeeasy.com or download our HomeEasy® app. We will ask for some preliminary information and will review it to determine what you may qualify for. It is completely free, and ...
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Who is pre-approved?
Your name, as the borrower, will appear on the top of our approval letter under ‘Borrowers’ as well as a co-borrower, if you applied with one. 
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Can I make changes and updates to my pre-approval?
Pre-approvals are easy to update with an average turnaround of 24 hours. If you want to increase your budget or would like to put in a higher offer to win a sale, you will need to be approved for a...
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Pre-approval
Who should be on the loan application?
Your loan officer will walk you through expectations for the loan process, such as estimated days to close, loan conditions, and fees. Maintaining your current financial status is important for your loan to proceed. Fluctuations in savings accounts, credit card balances and employment may all impact your mortgage process...
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Who should be on the loan application?
Your loan officer will walk you through expectations for the loan process, such as estimated days to close, loan conditions, and fees. Maintaining your current financial status is important for your loan to proceed. Fluctuations in savings accounts, credit card balances and employment may all impact your mortgage process...
Read more
Who should be on the loan application?
Your loan officer will walk you through expectations for the loan process, such as estimated days to close, loan conditions, and fees. Maintaining your current financial status is important for your loan to proceed. Fluctuations in savings accounts, credit card balances and employment may all impact your mortgage process...
Read more