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Commonly talked about topics
About Semper Home Loans
My offer was accepted, now what?
Once your offer is accepted you want to let your Loan Officer know so they can get started right away. In addition to the documents you provided for pre-approval they will need:
Your signed Purch...
What is an escrow account, and do I need one?
Escrow Account: An escrow account is when part of your monthly loan payment is allocated to cover costs associated with home ownership. Costs may include real estate taxes, insurance premiums and p...
Can I take a vacation?
Try not to plan any vacations during the home buying process. Contact can be difficult when people are on vacation and, if we need documents, this could delay the process and closing. If you have p...
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...
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...
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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