Simon Nwoke
NMLS# : 193818
Phone: 478.330.6382
Fax: 478.330.6385
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Semper Licensing Information

All our licensing information in one place.

You can easily view our lending territory on our map below or click on the License Information tab to view our individual state licensing information. Have a look around.

Semper's Terms of Use

The use of the web site (the "Web Site") is subject to the terms and conditions stated herein. Use of the Web Site constitutes an agreement by you, the user, that your use is governed by these terms and conditions. In addition, when using particular SEMPER HOME LOANS (“SEMPER”) services, you will be subject to any guidelines or rules applicable to such services that may be posted from time to time.

Ownership of Intellectual Property/Usage Restrictions

The works of authorship contained in this Web Site, including but not limited to all design, text and images, are owned, except as otherwise expressly stated, by SEMPER or its licensors. United States and worldwide copyright laws and treaty provisions protect the contents of this Web Site.

You and other Web Site users may not:

Copy, reproduce, modify, use, republish, upload, post, publish, license, create derivative works from, transmit or distribute in any way material from the Web Site without SEMPER's express written permission.

Copy, modify or display trademarks, names or logos appearing on this Web Site in any way without SEMPER's express written permission.

Redeliver, transfer, or sell any information, software, lists of users, databases or other lists, products, or services provided through or obtained from the SEMPER Web Site. This includes among other activities, using "framing”, “scraping”, “screen scraping,” “database scraping”, or any other activity with the purpose of obtaining lists of users or other information and includes any of the pages, text, images or other content of this Web Site technology without SEMPER's express written permission.

Soliciting any of the individuals or companies listed on this web site for purposes of selling products or services is prohibited.

You agree that you will not use the SEMPER Web Sites in any manner that could damage, disable, overburden, or impair the SEMPER Web Sites or interfere with any other party's use and enjoyment of the SEMPER Web Sites. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the SEMPER Web Sites.

Except with the written permission of SEMPER, you agree that you will not create links from any web site or web page to any page within the SEMPER Web Sites with the exception of www.semperhomeloans.com , the SEMPER Web Sites homepages, including, but not limited to pages currently located at www.semperhomeloans.com . The origin of any such link to the SEMPER FINANCIAL Web Sites homepage must be accompanied by a clear and prominent attribution indicating that the link is connected to the SEMPER FINANCIAL Web Sites homepage. You agree that if you create any link to the SEMPER FINANCIAL Web Sites that you will not employ any technology that results in the placement of content from the SEMPER FINANCIAL Web Sites in a frame and/or a reduced pop-up window and/or any other display mechanism which changes the SEMPER FINANCIAL Web Sites from how they would appear if a user typed in their URL to a typical browser line. You agree that SEMPER FINANCIAL may in its sole discretion and at any time terminate your access to and use of the SEMPER FINANCIAL Web Sites, or any part thereof, with or without notice.

Web Site Security

You are prohibited from violating or attempting to violate the security of the Web Site, including, without limitation, (a) accessing data not intended for your viewing or logging into a server or account which you are not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization or (c) attempting to interfere with service to any user, host or network. Violations of system or network security may result in civil or criminal liability. SEMPER FINANCIAL will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

LIMITED WARRANTY

THE SEMPER FINANCIAL WEB SITES ARE PROVIDED "AS-IS" AND "WITH ALL FAULTS" AND, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL OTHER REPRESENTATIONS AND WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, REGARDING THE WEB SITES, INCLUDING WITHOUT LIMITATION ITS FITNESS FOR A PARTICULAR PURPOSE, ITS QUALITY, ITS MERCHANTABILITY, ITS PERFORMANCE, ITS NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, OR THE RESULTS OBTAINED BY USING THE WEB SITES. THE COMPANY DOES NOT WARRANT THAT THE WEB SITES ARE FREE FROM BUGS, VIRUSES, ERRORS OR OTHER PROGRAM LIMITATIONS.

LIMITATION OF LIABILITY

SEMPER FINANCIAL SHALL HAVE NO LIABILITY TO YOU OR ANY OTHER USER OF SUCH INFORMATION OR TO ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY THE USE OR RELIANCE UPON SUCH INFORMATION. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SEMPER FINANCIAL WEB SITES. USE OF SEMPER FINANCIAL WEB SITES IS AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SEMPER FINANCIAL WEB SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SEMPER FINANCIAL WEB SITES.

Indemnity

You will indemnify, defend and hold harmless SEMPER FINANCIAL and its officers, directors, employees and agents (each, an "Indemnified Party") from and against any and all claims, demands, losses, costs, expenses, liabilities and damages of any kind or nature whatsoever (collectively, "Damages") incurred by any Indemnified Party arising out of, in connection with or resulting from (i) your use of the SEMPER FINANCIAL Web Sites or (ii) your breach of this Agreement.

Semper's Privacy Policy

SEMPER HOME LOANS. and its family of companies (hereafter referred to as “SEMPER”) is committed to protecting the privacy of our customers. As such, SEMPER has formulated a Privacy Policy to disclose to consumers how SEMPER will responsibly use consumer information.

First and foremost, SEMPER will not share nonpublic information about you with third parties without your express consent, except as detailed in this policy. We consider any information not normally obtainable from public sources (i.e. telephone listings, municipal listings, or consumer marketing list providers) to be nonpublic. From time to time, we may communicate to you special offers for products or services we believe may be of interest to you through third parties. However, SEMPER will not provide these third parties with any nonpublic information without your consent. How We Gather Information As part of providing you with financial products or services, we may obtain information about you from the following sources: •  Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically or by any other means. This information may include your name, address, employment information, income, and credit references; •  Consumer reporting agencies. This information may include account information and information about your creditworthiness; •  Public sources. This information may include real estate records and telephone numbers. Sharing Information with Third Parties From time to time, we may be required to disclose nonpublic information about you to third parties without your consent, as permitted by law, such as: •  to respond to a subpoena or court order, judicial process or regulatory authorities; •  to consumer reporting agencies; •  in connection with a proposed or actual sale, merger, or transfer of all or a portion of a business; •  to protect against fraud. In conjunction with your application for a loan, we will provide information about you to our service providers. These service providers may include lenders, investors, attorneys, appraisers, billing service providers, mail and telephone service companies, insurers, loan settlement service providers, property inspection companies and other professionals. We do not provide nonpublic information about you to any service provider for the purpose of marketing products and services unless you authorize us to do so. These service providers are not allowed to use any information about you obtained in the normal course of business operations beyond your specific authorization.

Sharing Information Within SEMPER

We also may share information about you within our family of financial service companies. SEMPER and its family of companies may share with each other all of the categories of information we gather about you, including identification information (such as your name, address, and telephone number), credit reports (such as your credit history), application information (such as your income or credit references), and information from other third parties (such as your employment history). This information sharing allows SEMPER to better understand your financial needs, notify you of new products and services, and provide you with higher levels of service. Our Former Customers Even if you are no longer an SEMPER customer, our Privacy Policy will continue to apply to you. Our Security Practices

SEMPER prides itself on its security and information accuracy procedures. We restrict access to the nonpublic information of our customers to only those employees who need access in the course of their job responsibilities. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect customer information.

This Privacy Policy applies to products or services provided by SEMPER to individual consumers and not other business. SEMPER reserves the right to change this Privacy Policy, and any of the policies described above, at any time. Any examples contained within this Privacy Policy are illustrations and are not intended to be exclusive.