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Commonly talked about topics
About Semper Home Loans
Why does my credit score matter?
The information on your credit report helps us evaluate your ability to repay the loan based on your repayment history. The length of your credit history and on-time payments impact your score. A b...
Do you have to pull my credit?
A credit pull is required for all Semper pre-approvals and applications.
What if someone else pulled my credit?
If you are currently shopping mortgage companies, and another company has recently pulled your credit, your score most likely will not be impacted. If multiple credit checks are done within a 45-da...
There are some inaccuracies on my credit report, what do I do?
If you find inaccuracies on your report, you can contact the three credit bureaus and dispute negative marks on your credit:
TransUnion
Equifax
Experian
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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