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Commonly talked about topics
About Semper Home Loans
My loan is closed, what now?
Congratulations! It’s time to enjoy your new home. Semper Home Loans is here to help you with any of your future mortgage needs, so don’t hesitate to contact us. After 6 months you are eligible to ...
Where do I send my first payment?
Depending on which day of the month your loan closed, Semper may collect your first mortgage payment. You will be notified in advance of your payments due date. If your loan is transferred from Sem...
If I need assistance in the future, who should I contact?
At Semper, we strive to maintain our clients for a lifetime. We keep an open line of communication and stay in touch after the loan has closed. If you experience any life events, are looking to ref...
Who do I contact if I’m experiencing financial hardship?
If you are experiencing a financial hardship, contact your mortgage originator to discuss refinancing, to lower your monthly payment, and relieve some financial burden. You can also contact your lo...
Why did I get a property tax bill in the mail?
Tax bills are automatically generated and sent by the town. If you have an escrow account, your taxes will be paid from the account and you should not need to do anything else. If you receive a tax...
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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