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Commonly talked about topics
About Semper Home Loans
What is an Initial Disclosure and how does it work?
When you apply for a loan, Semper Home Loans will provide you with an initial loan disclosure. You will receive this within three business days after you submit your application. By signing this do...
What is a Loan Estimate?
A Loan Estimate is a standard form that all lenders are required to give to you, by law, within three business days of submitting your application. Semper Home Loans will provide you with an estima...
What does ‘locking’ mean?
Mortgage interest rates can change daily. When you lock a rate, it means your interest rate won’t change during the time that your offer was accepted to the time that you close on your home. Rate l...
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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