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Commonly talked about topics
About Semper Home Loans
What is a closing disclosure?
A closing disclosure is a form provided to you at least three business days before your closing. This disclosure provides you with information regarding the terms of your loan, projected monthly pa...
What is ‘cash to close’ and how do I pay it?
Cash to Close: This is amount of cash you will need at closing. Your down payment will ultimately make up the largest percent of your cash to close. This does not include additional costs that have...
What is an electronic signature vs. a wet signature?
An electronic signature, or to ‘e-sign’, means you are electronically signing documents. A wet signature means you physically sign the documents in ink.
What is an electronic closing or an ‘e-closing’ and how does it work?
Semper Home Loans knows that e-closing is the way of the future. An e-closing is when one, or more, of the closing documents are signed electronically. An e-closing may still require meeting in per...
How long does a closing take?
A closing typically takes approximately 20 minutes to sign the documents but could extend up to a few hours if you have additional questions.
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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