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National Average APR¹

6.636%

See how our rates compare²:5.625% / 5.676%Rate/APR

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From first-time homebuyers to refinancing pros, supporting our clients in finding the right mortgage is what we do best. Find out how we’ve helped clients every step of the way, from start to finish.

i really thank you so much for you hard work and help me to get this home you guys are one of the best i will definitely recommend you guys thanks alo...

jose lara

Closed November 2025

Cindy Vo is truly magical!!! She sees numbers in her head, she works extremely hard at putting them together for you! I barely had to do anything for ...

Sarah Calapai

Closed November 2025

They were outstanding . They both kept me up to date with the loan process and answered any question that I asked. They even recommended home insuranc...

Bennie Wright

Closed October 2025

This was the quickest and smoothest process. Stephanie is truly knowledgeable in every aspect of her job and answered every question we had. We were a...

kibreton17

Closed November 2025

It took us nearly a year to finally find our new home and Stephanie stayed right in there with us the whole way. It was nice having someone who knows ...

doodahma

Closed October 2025

Len was an outstanding Lender that I had the pleasure of working with. He was so great at communicating and worked hard for his clients. Hope to work ...

alexislisa

Closed October 2025

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Equal Housing Lender | © 2010-2025 Semper Home Loans, Inc. NMLS #1053 www.nmlsconsumeraccess.org

Semper Home Loans, Inc. is an Equal Opportunity Employer. Semper Home Loans, Inc does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

Semper Home Loans, Inc. is an Equal Housing Lender. We do business in Accordance with Federal Fair Lending Laws. Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap or familial status (having children under the age of 18) to: Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling or to deny any loan secured by a dwelling; or Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.

Licensed in the following states: AL, AZ, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, LA, ME, MD, MA, MI, MT, NE, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WY

Rates are subject to change at any time and without notice. To ensure you have the latest rates, we update them in real-time.

Interest rates and APRs are for informational purposes and do not include all applicable fees. Your actual rate, payment, and costs may differ.

Semper Home Loans, Inc. does not charge an origination fee. The one-time cost shown include points/credits and third-party fees. An escrow deposit, pre-paid interest and other charges may be required depending on your situation.

Monthly payments do not include taxes and insurance premiums. Your actual monthly housing expenses will be higher.

¹ National average according to the latest survey of the nation’s largest mortgage lenders.

² Rate based on a $550,000 purchase price with a $120,000 down payment on a single family home, primary residence in 02907, with a 30-year fixed rate and a 780 FICO score. Actual rates may vary.

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