Semper Home Loans profile for Eric Maluk
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Eric Maluk, Loan Officer - 200 Metro Center blvd Warwick, RI 02886

About Eric Maluk

Eric Maluk has an extensive history in the mortgage industry. Having being the owner of A-Plus Mortgage LLC, manager at First NLC, Northpointe Bank, and now Semper Home Loans, Eric has honed his skills over the years. Eric grew up in Coventry RI and currently resides there with his wife and daughter. He is actively involved in children’s sports sponsorship ranging from sponsoring youth racing to sponsoring youth football teams in the local areas. Eric is also involved in many charity fundraisers including raising money for the Children’s Wish Foundation of RI, The Make a Wish foundation and The Rhode Island Chapter of Pink Heals.

Contact

401 413 0947

200 Metro Center blvd Warwick, RI 02886

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Loan Process

We'll get you from start to finish faster than ever.

Start Application

Fill Out Application

Fill out our simple and streamlined application. We only ask the important questions. We want to get you in and out as quickly and efficiently as possible.

Upload Documents

Once you’ve filled out the application, it’s time to upload the documents. This is how we verify all of your income and assets. We’ll only ask you for the necessary documents to get you pre-approved and on your way to finding your new home.

You’re Pre Approved!

This is where you really get going. We’ll start looking at your documents and let you know the range of how much you can borrow. Once you have that pre-approval notice in hand, you can start looking for the right houses!

Purchase & Sales Agreement

Your feet feel like they’ve walked through every house in town and you have finally found one that fits your budget and contains most of your must-haves. It is time to make an offer!

Upfront Underwriting

This step helps you get to closing faster! You will be reviewed by an actual FHA underwriter before going into contract. We’ll check out all of your financials and make sure you’re getting the right loan for you. This also allows you to resolve all conditions early on so that when you do get an offer accepted you can close quickly by having only property related conditions remaining (appraisal, title report, secure home insurance)

Appraisal

Next, you need an appraisal on the home. You’ll need an estimate of your property’s value based on location, condition and recent sales of similar homes in the surrounding area.

Processing

Time to process. Our processors will get everything organized and in order for final approval. This is where you can start to feel the excitement!

Approval

Final decision time! Our underwriters will take one last look to ensure that everything is in order and the loan is right for your financial background. We want to get you approved so you can plan your closing!

Closing!

This is the day you’ve been waiting for! And before you know it, the mortgage deed and loan documents are signed sealed and delivered. Finally, you are home faster!

Popular Semper Programs

We understand that as a home buyer you need to find a loan that compliments your way of life. Our customized loan solutions meet you where you’re standing so you can get home faster.

Apply for a conventional loan with Eric Maluk

Conventional

A great loan option for first-time buyers featuring low down payments, average to excellent credit scores, and removal of private mortgage insurance.

  • Easier Qualification
  • Loan Flexibility
  • Rate Security
Start Application
Apply for a VA mortgage loan with Eric Maluk

VA Mortgage

VA helps military families become homeowners. VA guarantees a portion of the loan, enabling us to provide you with more favorable terms.

  • Easier Qualification
  • Rate Security
  • $0 Down Payment *
Start Application
Apply for a Semper HALO with Eric Maluk

Semper HALO

Down payment assistance that allows credit worthy borrowers to receive down payment assistance of up to 3.5%. A Great pair with an FHA mortgage!

  • Loan Flexibility
  • 100% Financing **
  • Can Be Combined
Start Application
*$0 down payment options for those eligible based on credit, income, home price, and VA eligibility **100% financing up to 3.5% and based upon eligibility

What our branch managers are saying.

Zillow Reviewer
April 7th 2018
Zillow Reviewer

I could not have experienced a better loan process and closing and a great company all together. Eric and his team were wonderful and a pleasure to work with. Fast, Easy and they truly work for you and your best interests.

What our branch managers are saying.

Zillow Reviewer
November 16th 2016
Zillow Reviewer

Eric was absolutely great to work with! He was timely and knowledgeable. He also went above and beyond great customer service. the day rates fell he called me to let me know he locked us in on the best rate, I didn't have to ask. Trust him completely and will absolutely refer friends and family to him for mortgage needs! He also saved us thousands on closing from the lender we originally started the process with.. Such a great guy and company!