Semper Home Loans, Inc, Providence, RI

As a real estate agent I work with many lenders. Daniel Giroux and the Semper Home Loans team have been my number one recommendation since I first worked with them years ago. They have always treated my clients with the up most respect and their attention to detail is second to none.

I accepted a bid from a buyer that Semper Home Loans gave a pre-approval to. Long story short, two days before closing the bank denies their loan because their income could not be verified— how do you give a pre-approval and then deny it?!?!? My house was out of the market since June and I had to scramble to find a new buyer, cost me being unable to close on my single family home, and set off a domino of fees and costs! Stay clear from this place!

Dan and his team were efficient, friendly, and very easy to work with. They are also very reasonably priced and they locked me in for a good market rate. I would certainly recommend.

I had an excellent experience working with TJ. He made the whole process easy for me as a first time home buyer.

Working with Semper Home Loans was such a pleasure. Michael Trinidad, Amanda Carcieri, and Taylor Harriman were fantastic! They gave us a great rate (lower than competitors) and made the refinance process so simple. Their communication was great as well. Any time I had a question, it was answered almost immediately. We closed on our loan earlier than expected too, which was a great plus!

Everyone at Semper Home Loans made the entire process seamless and stress-free. Relocating from out of state, I can not express how thankful I was to have this team by my side. What sets Semper apart is their commitment to their clients. Dan was a constant source of support and guidance. He was always there to answer questions, provide updates, and ensured that I got the best loan possible. If you want a stress-free loan experience and to work with someone who genuinely cares about your financial well-being, look no further than Semper.

Cindy And April truly are Amazing at what they do. They are beyond helpfully and informative. No matter the time they will answer your question/ concern. Through out our process of purchasing our first home they were always patient with us and willing to walk us through every detail. Aprils enthusiasm is so contagious. I highly recommend anyone to work with Cindy and April to get the job done!

Of our experience with lenders, our interaction with Semper has been the most disheartening. Our main complaint, amongst a few things, is the fact that they dragged their feet on locking in a rate, costing us hundreds of dollars a month. Purchasing a house really doesn't have to be all that stressful, but they were by far the weakest link in our buying process. I would recommend going with a different lender or at the very least shopping around thoroughly - this company really isn't going to work in your best interest.