October 30, 2023
On January 26th 2023, RI realtors Published this article and introduced the realtor world to Rhode Island’s down payment assistance program that would create a whole new wave of home buyers.. It couldn’t get any...
October 11, 2023
In a changing market, larger lenders are facing financial pressures due to prolonged high interest rates and their strategies for recouping funds haven’t panned out as expected. Let’s say the rates continue at 7% through...
November 18, 2022
1. Out With The Old And In With The New! Decluttering will help you focus your cleaning and organizing more effectively. It also allows space for new items that you may acquire during the holiday...
June 23, 2022
It is important to take the time to find what specific property meets your wants and needs. The main key points to look for are the location/neighborhood, number of bedrooms and bathrooms, floor plan, lighting,...
May 4, 2022
Benefits of an open floor plan Each home has its unique path, which many refer to as its floor plan. The concept of an open floor plan has been more common among buyers in the...
April 18, 2022
Low-cost home improvements If you can’t find the exact home you want, maybe buying something close and making some customizations is the way to go. You might be worried that making changes will be expensive,...
March 29, 2022
DOs and DON’Ts after pre-approval So, you were just approved for a mortgage loan, and you’re wondering what’s next. Maybe you haven’t found the perfect house, just started looking, and have some time before you...
March 25, 2022
Making a house a home Your home should be more than a physical house. Home should be somewhere you’re excited to be after a long day, to unwind and relax. Different physical aspects in a...
March 15, 2022
Market update – March 15th With inflation on the rise, consumers are taking a closer look at how they’re spending their money. Home mortgage rates reflect the market and what is happening in the world....
March 7, 2022
What to Look for in the Spring Market With the change of seasons and the weather getting warmer, many potential home buyers are beginning to ponder the idea of whether purchasing a home is in...
October 28, 2021
Homeowners insurance is a necessary part of buying a home and protects you in the event of a disaster or accident involving your home or personal belongings. Understanding what you need in an insurance policy...
September 16, 2021
As summer draws to an end, the official start of fall is approaching, and it is the perfect time to start your fall maintenance checklist. Although every home is different, we’ve put together a helpful...
July 19, 2021
Everyone knows you’re supposed to have good credit to get a loan. But what is “good” credit, and how much does it impact your loan overall? Although your credit score is not the only financial...
June 25, 2021
DACA (Deferred Action for Childhood Arrivals) is a government program to protect undocumented people who were brought to the United States as children. Often referred to as Dreamers, they have grown up in the U.S....
June 7, 2021
What is buyer’s remorse? When you purchase a home, the last thing you want to do is immediately regret it. However, according to a recent survey by Bankrate, buyer’s remorse is rampant among homeowners. Nearly...
May 21, 2021
Debt-to-income (DTI) ratio is calculated by dividing your debt by your gross income and is expressed as a percentage. Lenders use your DTI ratio as one metric to determine how much additional debt you can...
May 6, 2021
May is “National Military Appreciation Month.” As a veteran-founded company, Semper Home Loans has been helping veterans access VA home loans for over 15 years.
April 23, 2021
Renovation Since Semper Home Loans was founded in 2005, Providence, RI has been home to the corporate headquarters. In 2020 Semper began a large-scale renovation, and expansion, to create a reimagined 50,000 square foot campus....
April 15, 2021
Low Inventory In February, the housing market finally saw the consequences of low inventory, after eight months of consecutive gains. Homes in contract saw a 10.6% dip from the prior month, which is a result...
February 2, 2021
Everybody’s loving the low rates-and who wouldn’t? Current homeowners are refinancing and lowering monthly payments, while first time home buyers are able to afford more house than just two years earlier. But low rates have...
December 18, 2020
Lawmakers are close to an agreement on a $900 billion economic relief package. This package would include a number of relief efforts including an additional stimulus check of $600 and $300 a week for Americans...
December 2, 2020
We all know how important home insurance is in safeguarding our homes and belongings in times of calamities and unexpected events. However, many homeowners forego purchasing or renewing their home insurance policies because of the...
October 15, 2020
A new down payment assistance program is now available, providing a $10,000 down payment assistance loan to first time homebuyers in the state of Rhode Island! To be eligible for this program you must meet...
September 30, 2020
Clean your gutters Keeping your gutters clear is an important part of maintaining your home and preventing both interior and exterior water damage. Removing leaves and debris from your gutters will help protect your roof,...
September 9, 2020
Affordability: One of the most important factors to consider when deciding on a location is affordability. Living comfortably within your means should be a primary concern. Affordability extends well beyond the sale price of the...
August 17, 2020
Last week the FHFA (Federal Housing Finance Agency) announced it will be implementing a new fee on refinances sold to Fannie Mae and Freddie Mac after September 1st. This fee adds 0.5% of the loan...
August 11, 2020
There’s no doubt that the current state of the housing market and economy is being driven by the spread of Covid-19. While the market remains extremely volatile, mortgage rates are continuing to hit historic lows....
July 24, 2020
Staging your home to sell is an important part of preparing your home for the market. But springing for a professional stager may be out of your budget, especially if you’re upgrading to a more...
July 7, 2020
While there’s nothing wrong with having only basic coverage on your homeowners insurance, it likely won’t fully cover the cost of rebuilding damaged parts your home or replacing the things you lost.
June 22, 2020
Most curious homeowners have consulted Zillow at some point or another to estimate their current property value. While those estimates may not always be very accurate, it does beg the question-what affects a home’s property...
June 15, 2020
Selling your home can be a stressful process, and COVID-19 presents a whole new set of challenges to sellers in 2020. But utilizing technology to your advantage and having a savvy realtor can help your...
June 8, 2020
Home insurance protects your home and personal belongings in case they get damaged or lost during specific natural disasters or burglary. It also covers the policy holder’s additional living expenses, as well as medical payments...
June 2, 2020
As states across the country begin to lift their travel restrictions and businesses slowly reopen, restless Americans are looking for opportunities to finally leave their homes. For many, travel plans were cancelled weeks or months...
May 8, 2020
According to the Treasury Department, nearly 120 million Americans have received their stimulus checks from the IRS in an effort from the government to stimulate the struggling U.S. economy. Even more have filed or will...
March 21, 2020
As the COVID-19 outbreak sweeps the globe and headlines in the media, it has become clear that this is not just a physical health virus, but also can cause financial hardships within the home.
December 3, 2018
What is a rate lock? A rate lock is the action of locking in, or reserving, an interest rate for a home loan. Locking in your interest rate guarantees the agreed upon rate under the...
October 29, 2018
At Semper we talk to a lot of people about home buying. And sometimes, we hear some things that surprise us. There are a lot of myths floating around about home buying so it’s important...
September 17, 2018
Over the years we’ve helped many home owners get into their new homes faster and easier. We’ve learned some tips and tricks along the way for helping home buyers start out on the right foot...
August 13, 2018
Buying a home can be tough in this fast moving market. Not only is it important to have a lender by your side, it’s important to have a trusted Real Estate Agent on your team...