Branch Manager FAQs

Everything you need to know about working with Semper.

Join Us
  • Onboarding & Transitions
    • Is there an upfront fee I must pay to Semper in order to become a branch?

      No. You are responsible for your own NMLS licensing fees however.

    • Is there a franchise or territory fee?


    • Who is responsible for the state and local licensing fees?

      All Branch Managers and individual loan officers are responsible for their branch and individual NMLS licensing fees and renewals.

    • Do I have to set-up a reserve account with the company?

      We require an operating reserve account with a balance equivalent to two months’ overhead. That said, you are not required to fund this account in advance. Your branch reserve account can be funded entirely, or in part, out of proceeds from closed loans. If you choose to fund the account over time, $495 per loan of the revenue you generate will be allocated to your reserve balance until the required reserve is met.

  • Process & Support
    • How are expenses submitted to the company?

      You will be required to submit a monthly Expense Report to your assigned branch accountant along with all invoices. This can be done on our website through your own private Branch Management Page.

    • When are bills paid and who is responsible for this?

      The Branch is required to submit bills on the last week of the month according to the online calendar to be paid on the first of the month.

    • Who can I call when I have a question on a loan?

      You will have a dedicated Branch Liaison for help with loans in process. This person is your boots on the ground at corporate. Scenario questions are entered into our online Help Desk, and this ensures your question gets answered quickly, and gives you a record of any exceptions that are granted prior to submission.

    • Does Semper Home Loans handle any loan processing for its branches?

      No, you will need to do some processing, hire a processor, or make use of a licensed contract processing service.

  • Semper University
    • What makes your company different from all the rest?

      First of all Semper was founded on a belief that it was time for a breath of fresh air in the home lending business. So being different is at the core of everything we do. That’s why we are devoted to our clients’ needs and goals. It’s why we provide personal service that’s the envy of our competition. It’s why we are passionately honest and straightforward every day. And most importantly, it’s why we’re not afraid to bring our sense of humor to the office.

    • Who is your top competitor, and why should I not just join them?

      Wow, that’s a fairly direct question, isn’t it? It deserves a direct answer. There are several competitors out there that offer branch opportunities. And by all means, you should work with them if  you’re comfortable with the status quo and if being different is not in your DNA. On the other hand if you believe being truly different can help you succeed, call us instead. No hard feelings either way you go.

    • Have the owners of the company ever originated loans themselves?

      Yes. Our Executive Team, including the President/CEO, started as loan originators, and they all still originate loans for friends, family, and referrals. This ensures they understand the current mortgage market and know what today’s loan originators need to make money and stay compliant. Our branch division was designed by loan originators for loan originators. Every process and tool you will have at your disposal was developed out of this collective experience and continuing feedback from top performing loan originators and originating managers.

  • In House Marketing
    • What will Semper be providing for me?

      Semper Home Loans will provide you with the tools to succeed. This will include:

      • Loan Officer Website
      • Updating Marketing Collateral to match Semper brand standards
      • Client Portals for you to offer your realtors
    • Can I broker loans?

      No, we are a lender, not a shoestring broker-banker operation. We provide all the products and support you will need to be extremely competitive, close loans fast, and build a very profitable branch or group of branches.

    • Can I work from home instead of an outside office?

      Semper requires that you have HUD compliant office space.

What are you waiting for?