The Process
Smarter, Easier, and Faster.
Step 1
Fill Out The Application
- Fill Out Application
- Upload Necessary Documents
- We'll Process Your Information
What are you waiting for?
Loan Type
Easier Qualification
Loan Flexibility
Rate Security
Lower Equity / Money Down
-
Fixed Rate Mortgages
What is a Fixed Rate Mortgage?
A fixed mortgage has an interest rate that won’t go up or down over the life of your loan. It’s the best security against rising mortgage rates and higher payments. If you know you don’t plan on moving or refinancing in the next few years, a fixed rate mortgage may be your best choice.
Fixed rate loans are great for offering peace of mind. You know your rate will never change. And fixed mortgage rates are currently at historic lows. This means your mortgage payment starts low and stays there. Don’t have a full down payment (20%)? No problem! We have low, fixed rate programs that only require 5% down! And although the 30-year fixed mortgage is our most popular program, we also offer fixed rate mortgages that have shorter terms.
When is a Fixed Rate Mortgage right for you?
- Is your ARM adjusting and you need to refinance to a low-cost fixed-rate mortgage?
- Do you want to get cash out of your home?
- Do you want a fast approval?
- Do you have a lower credit score or lower household income?
- Are you purchasing a home and have a low down payment?
-
Adjustable Rate Mortgage
What is an Adjustable Rate Mortgage?
Extremely low rate. Extremely low payment. For 5 comfortable years. Are you like many Americans who generally stay in their home for less than 5 years or refinance every 4 to 5 years? Our ROCK BOTTOM 5-Year ARM rates give you the lowest possible monthly payment for 5 years, saving you thousands of dollars over a traditional fixed rate mortgage.
When is an Adjustable Rate Mortgage right for you?
- Is your ARM adjusting and you need to refinance to a low-cost fixed-rate mortgage?
- Do you want to get cash out of your home?
- Do you want a fast approval?
- Do you have a lower credit score or lower household income?
- Are you purchasing a home and have a low down payment?
-
FHA Loan
What is a FHA Loan?
With an FHA Loan, you can refinance up to 97.75 % of your home’s value. Or make a smart financial move and get cash from your home to consolidate your high-interest debt to a low, fixed rate – FHA cash-out refinance loans allow you to take out up to 85% of your home’s value. FHA loans are available in both a 15- and 30-year terms. Created and insured by the Federal Housing Administration, FHA loans are a great fit for just about everyone.
When is a FHA Loan right for you?
- Is your ARM adjusting and you need to refinance to a low-cost fixed-rate mortgage?
- Do you want to get cash out of your home?
- Do you want a fast approval?
- Do you have a lower credit score or lower household income?
- Are you purchasing a home and have a low down payment?
-
FHA Streamline Loan
What is a FHA Streamline Loan?
FHA Streamline. If you’re currently in an FHA loan, you could get a lower mortgage rate and payment with an FHA Streamline. The FHA Streamline offers a limited documentation option, has flexible credit requirements, and you could even avoid an appraisal.
When is a FHA Streamline Loan right for you?
- Is your ARM adjusting and you need to refinance to a low-cost fixed-rate mortgage?
- Do you want to get cash out of your home?
- Do you want a fast approval?
- Do you have a lower credit score or lower household income?
- Are you purchasing a home and have a low down payment?
-
203k Renovation Loan
What is a 203k Renovation Loan?
The FHA 203K loan is designed for those buyers who have found the “perfect” home but it isn’t in “perfect” condition. With the 203K, you can borrow the purchase price PLUS extra funds for fixing it up. So with one loan you can buy your house and turn it into your home. Convenience and security for those hidden surprises that sometime pop up after you sign on the dotted line.
This loan program can be used for the purchase or refinance of a property that needs work. It allows you to borrow the funds you need to purchase and renovate the property. These loans are not new but took a back seat to other ways of financing the cost to renovate. With property values no longer increasing by double digits, and with equity loans being capped at 70-80% of current values (rather than 100% you could get just a few years ago), the options for financing renovations are limited.
When is a 203k Renovation Loan right for you?
- Is your ARM adjusting and you need to refinance to a low-cost fixed-rate mortgage?
- Do you want to get cash out of your home?
- Do you want a fast approval?
- Do you have a lower credit score or lower household income?
- Are you purchasing a home and have a low down payment?
CalculatorsiUse the sliders or click on the numbers below to edit your information.
How Much Can I Borrow?
-
Annual Salary
Loan Term iThe shorter the term, the less interest you pay.
10 15 20 25 30 -
Current Loan Amount
Current Interest Rate
Current Loan Term iThe shorter the term, the less interest you pay.
10 15 20 25 30Origination Year
-
Desired Mortgage Amount
Loan Term iThe shorter the term, the less interest you pay.
10 15 20 25 30
About John Gibbons III
Questions? Search our online library.
Buying or refinancing a home isn’t always a simple process. That’s why we created a resources library to make every step as understandable as possible.
Wondering what documents you'll need to apply?
Testimonials
What our branch managers are saying.
I am in my 33rd year in the mortgage business. What I found with Semper Home Loans was something I didn’t find at any other mortgage company. I feel part of a successful team. Everyone in the company works hard to get my deals to closing. They are all friendly and do what they can to make my job easier. My reputation in the local real estate community is excellent due to being able to approve most of my loans and to close on time if not earlier. I feel fortunate that I was able to find Semper Home Loans. I’ll be here until the day that I retire.
All of our underwriting occurs right here. We can go right to the underwriter. When you’re a broker, you have to pick what lender it’s going to be and then you are not talking to those underwriters. If we need to do something here, there aren’t those layers in between.