Disclosures
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...
What if I need to break my lock?
You are free to withdraw your application and break your lock at any time. There is no fee if you need to break your lock.
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