I would check the Zillow reviews. They are much more recent and probably more accurate since its moderated by Zillow and not an open forum. This site obviously doesn't validate any of the information being written. I had a great experience with Semper and came across this thread after searching for the address to make my payment. My experience was actually the opposite of what is being said on this site. Be careful what you read! Semper seems to be the victim of a couple bad employees. Me being a business owner myself I sympathize with the saying that "One bad apple spoils the bunch". But I'm a firm believer in " Good help is hard to find" also. If what people said were true I would probably never go to another restaurant in my life. You know, because "Yelp.com" said so. With that being said, read the reviews and take them into consideration. Don't let a review make your decision whether or not to use a company. Check out the reviews... http://www.zillow.com/profile/Semper-Home-Loans/Reviews/

As far as I am concerned, there is no reason someone should read these posts and make a determination on whether to move forward with Semper Home Loans on a refinance or not. How do you know Semper Home Loans does not do thousands of home loan transactions every year and have been in business since 2005. To have this one complaint after all ghise loans and all that time, not bad at all. This is the problem with consumers in todays world, you are never the one to blame and will always point your fingers at someone else for your own faults. How do you know that there isnt more to the complaint stories than what you are reading on here. Being in the business as long as i have, trust me, 99% of the time it is something that has to do with the consumers past that will cause a deal to go south. Usually bad credit, not enough equity, or making no money because they either do not have a job or just do not make enough to support the debt. But who is to blame for the current deal they have on their mortgage, the last broker or lender who FORCED them into it and made them go over their head. If you own a house, you should have the ability to read and make grown up decisions. Semper is a smaller version of a wells fargo or a chase, and if you were to go onto a website and read that a consumer had a bad experience with either of these larger banks, would that stop you from refinancing with them. NO, you wouldnt. Why not? It is the same thing, one bad apple can spoil the bunch. Use your own judgement when deciding on who to use for your next refinance or purchase. I did mine with Semper and it was the cheapest, best rate, quickest process i have ever been through. My agent at Semper was on point and a pleasure to work with. Dont beleive the negative hype. Make your own decisions in life.

I scheduled an appointment (on 5/16/2009) to see Robert Lavine after receiving a letter stating that i can refinance my house for 4.48% rate if i qualify. During my meeting with Mr. L, he checked my credit score, which was A+, then he asked me several questions, and for the info. i have provided Mr. L, he assured me that everything will go smoothly and i will have no problem getting 4.48% rate on my mortgage loan, so i filled out the paper work to have my house appraised. I agreed to pay $375 for house appraisal after Mr. L mentioned SEVERAL times that i will NOT have a problem getting this loan approved for 4.48% and after assuring me that everything was going to be fine and that i should have closing in just few weeks, i signed the papers given to me and was told i should get a phone call this week from the appraisal to schedule an appointment.Few days after, i received a phone call from Will Kasey, titled himself as Mr. L''s manager, and was asking if I''m satisfied with Robert Lavines service, and at the time i was. After two weeks, i received another phone call from Mr. Kasey asking if everything is going ok and if we scheduled the appraisal yet, which i had not yet received a phone from the appraisal. Finally, on June 1st i received a call from the appraisal to schedule a meeting on June 5th (3 weeks later). On Monday, June 8th, i called Mr. L to find out the status of my loan application and he told me that because of their computer failure his not able to retrieve the info. on the appraisal, but assured me that he will give me a call back after their computer system gets fixed. On Wednesday, i gave Mr. L another phone call after not hearing anything from him, and he mentioned that he was trying to get hold of me but had no luck, which i found that strange because i knew he never called me, so i was trying to get info. from him on the status of my loan and he hung up on me, i called him several times and no answer, i called the main number asking for Roberts Lavines manager and Mr. L answered instead, apologizing for getting disconnected, and told me that i was not illegible to get 4.48% but 5.35% because my house did not have more than 80% of value, i argued that he assured me everything was going to be fine, be Mr. L just accused me for things i have never said...I had no luck with Mr. L so i pursued to speak to Mr. Kasey (the manager), after several attempts on getting hold of him and speaking to other people that pretended to be Mr. L''s manager, i finally got hold of Mr. Kasey and explained to him my situation, he was able to find the value of my house right on his computer (which was $415, 000) so why didn''t Mr. L check the value of my house with the info. i provided him with and i would of told him right away that my house does not have more than 80% of value, so i wouldn''t of wasted my money on the appraisal that was not necessary. Mr. K was very understanding and told me that he will find out why Mr. L didn''t take the proper steps, why it took so long to get the appraisal done, that he will try to refund me the money we paid for the appraisal (they also overcharge me on the appraisal $415 when it was supposed to cost $375) and he will try to find a program that will fit my need in getting a mortgage loan. Mr. Kasey was supposed to call me the same day and never did, i called him in couple of days and days after with no answer, so i kept leaving massages and i never got any responses.I was mislead by Semper Financial by letting me know that i had nothing to worry about and i was sure to get 4.48% rate after i get my house appraised. Any other bank i went to prier, did not even bother with paper work and appraisal after checking (on their computer) what my house was worth, but this company wanted me to get the appraisal done just so they could get money off me.I got scammed, ripped off, lied to, and left with questions unanswered! This company did not take proper steps.

After going through all this hassle; being mislead, scammed, ripped off, lied to and received such unprofessional service, i do NOT want to do any business with Semper Financial but received my refund for $415 that i paid for the appraisal (which i was told by Will Kasey, Customer Service Manager, that i will get my refunded), i paid for an appraisal which i did not even need!!!

Just like the other consumer, I just received an offer from Semper to refinance with a lower interest rate as well., "BUT" after reading the above horror story and seeing how the manager responded, I've decided to take my business elsewhere!