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  • Semper Home Loans

Semper Home Loans


Purchase Loan, Refinancing, Home Equity

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 Semper Home Loans is headquartered in Providence RI with branches located throughout the United States. Applying a simplistic philosophy and efficient business model, Semper leads the way by offering a wide variety of mortgage products at the lowest rates and fees possible.


As a mortgage lender, Semper is able to provide a dynamic product menu and superior service by maintaining stringent quality controls and employing industry best practices. All of our processing and underwriting is done in-house in the Providence corporate offices. What does this mean for you? It means that your loan gets closed at your convenience; where and when you want it. 


When requesting a quote online, without the benefit of speaking to a "live" person, it is vitally important that the information you provide is accurate and up to date. Our quote to you is only as good as the information you provide. So please, take a moment to verify that the information you provide is correct. However, if you discover that some of the information you provided was incomplete or somehow inaccurate, simply call us to speak with one of our Loan Architects. They are here to help.


· Semper Home Loans provides quotes based upon information provided by the consumer via a web portal. Actual home value, credit score, property type and income source may require adjustments to the quoted loan terms.

· Rates may change while they remain unlocked. Final rate will be locked when lock documents are executed.  15-30 day rate locks are available.

· Terms (rate) quoted after hours on Friday (6:00 p.m.) will be subject to readjustment (either better or worse) on the first business day following the weekend.

· Quote assumes taxes and insurance will be escrowed.

Ratings & Reviews
- Highly likely to recommend
07/02/2014 - weswilsonjr
Closed refinance loan. Bergenfield, NJ
After buying/refinancing about 8 times, this was easily the most professional and experienced Loan Process I have had! Eric Butz is a true professional. He was extremely responsive not just at the beginning - but throughout the entire process! A great team effort done by all.
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- Highly likely to recommend
06/30/2014 - user5151134
Closed purchase loan. Cumberland, RI
My girlfriend and I are now first time home buyers thanks to Stephanie and Semper. We could not have asked for a smoother clearer process. She guided us throughout every step making everything seamless. With no knowledge of home buying she told us what to expect and when to expect it and did not miss a beat. She was in contact with us constantly if not because she needed something from us just to see how everything was going on our end.

I could not have asked for an easier time buying a house, we were well informed because of those involved. We moved into our home early this month and although we are not even considering looking for a new house at the moment, the next time we do, Stephanie and Semper will be our first choice again.
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- Highly likely to recommend
06/25/2014 - zuser20140625032801053
Closed purchase loan. Cranston, RI
My journey with Semper Home Loans began in the fall of 2013. I was referred to Semper by a friend who also went through the mortgage process with them.

At the time, my credit score was unfavorable and was unable to entertain the idea of getting a home loan. Our service agent at Semper Home Loans in Providence was John Gibbons, and he outlined the points surrounding my score issues that would need to be improved upon in order to qualify. So with that, the the task of fixing the score was underway. After eight months of satisfying prior creditors, documenting a solid payment history of current bills and tightening up my finances, I became pre-qualified and then ultimately qualified for a home loan.

Without John's assistance and willingness to take ownership of the process with my wife and I, I'm quite certain we would never have made it! We were able to purchase our home together by June of 2014, and owe a great deal to John's tenacity to help us complete the process.

Semper Home Loans has provided a fantastic and educational process and I can only hope that this organization has many more service representatives like John! Semper Home Loans has been a great experiance for me.
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Professional Information
Semper Home Loans
225 Dupont Dr
Providence, RI  02907
(888) 434-4508
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Semper Home Loans
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