Client Review on Semper Home Loans

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I cannot tell you how many lenders I have tried to do business with in the past 8 months! I was about to give up and walk away from my home and its mess of variable interest rates rising for no reason, other than to blame it on our economy getting better. I was never late and yet it kept increasing. Then one day, I received an advertisement from SEMPER Home Loans. I am not one to call companies that solicit me because you just never know who you are calling. But I was desperate. I picked up the phone, ready to insult the agent and heard a very caring individual on the other end. Instead of feeling like I had to challenge this person (His name is Michael Glover), I began to cry like a baby. I explained our horrible nightmare of a situation to him and he said not to worry and he would do everything within his power to help us. I was still not a true believer, but thinking I would have to walk away from our home and our near perfect credit would be shot anyway... what additional harm could come if this guy was not genuine. Something inside of me told me I could trust Michael and what he was saying to me. (Usually I am one of second guessing myself.) Within 15 minutes, I had a list of things I needed to send to Michael, most of which I already had set aside when trying to work with other companies. I called for a pest inspection, which passed. I sent Michael all my required documents, he had an appraiser contact me in two days. After the appraiser left, Michael called me in a couple of days and said everything was good to go. I took a look at the closing docs he sent me in the email... I was still sceptic, I would have to admit. After all… those are just estimates and I was SURE the docs information would change once the Notary arrived. Well, the Notary did arrive and I had my red pen out as well as my highlighter, prepared to deny the loan, since everyone else had attempted (poorly) to hide additional costs. But to my surprise... nothing had changed. It was exactly what we had agreed to. I was pretty excited. I couldn't believe I actually found a lender who was complete honest and with me 100% of the way! His processor, Robert equally professional and on target was amazing also. I sit here today, in tears... but tears of joy. I don't have to walk away from my house, I am saving a bunch of money and my rate will NEVER go up again. And I believe Michael when he says he will always be available if I have any problems in the future. I am also happy because Michael can do several types of loans, including assisting my daughter and son in law with their first purchase. Thank you so much, Semper... for sending me that invitation to call and try for this refi, and employing Michael and Robert. You have no idea how much you have helped us. SEMPER for LIFE!