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Commonly talked about topics

About Semper Home Loans
When should I apply for a loan?
You should submit your loan application after you have been pre-approved and have an accepted offer. Applying does not guarantee loan approval, it simply begins the process to move forward with pur...
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What is the loan purpose and why do I need to provide it?
The loan purpose is the primary reason you are requesting a loan from Semper Home Loans. Some examples of home loan purposes would be: Purchase: Purchasing a single-family, multi-family or condo P...
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How do I know what loan is right for me?
Your Mortgage Originator will help you determine what loan program will be right for your specific financial situation based on the information you provide on your application. You can find more in...
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Where do I apply for a loan?
At Semper Home Loans, applying for a loan is easy. Our HomeEasy® app lets you conveniently apply from your phone or mobile device anytime. We make it simple; you make it home.
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Who should be on the loan application?
If you are applying alone, you will be the only person listed on the application. If you apply with a co-borrower, they will need to be listed on the application. Having a co-borrower on the loan a...
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What do I need for the application?
Depending on your job status and income there are a variety of documents you will need. Here are some items we may ask for when applying: W-2’s (for the last 2 years) Recent pay stubs Tax Returns ...
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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