Safe and secure

Section 1 of 4




Business Breakdown - Total 100%


Section 2 of 4

Section 3 of 4

Monthly Branch Overhead


Tell Us your Mix of Business (Total 100%)


A little further breakdown (Total 100%)


Section 4 of 4

What are the primary lenders used? (Please specify as "in-house" if you are currenlty on a Banker platform.)

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.

Is there an upfront fee I must pay to Semper in order to become a branch?

No, but you are responsible for your own NMLS licensing fees.

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.

Any there any per loan fees or charges I should know about?

We charge an underwriting fee of $895 per loan.

How much can your top performers make?

We want to attract and keep the best talent, and we know this requires the best pay. Our products, pricing, processes, and commission structure were all designed with an eye toward attracting and cultivating “Six-Figure Loan Officers." We make it easy for you to attract talent, but it is up to you to negotiate the splits with your Loan Officers. The better branch managers will wind up in the mid six figures, but we’d really like you to be the first to get to seven.

I have successfully managed people in related fields, but I have little or no direct mortgage origination experience – does this disqualify me as a candidate?

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.

Is there a minimum commission percentage I must charge on a loan, or am I free to price a loan as I choose?

We have no minimum commission requirements, but you may choose to put a minimum in place for your LO’s. After all, it’s up to you, not them, to make sure you are running a highly profitable branch.

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.

Do you offer health and dental insurance plans?

Yes, you will be eligible for health, dental, and disability insurance after 30 days of employment.

Does the company charge me a processing fee which will come out of my commission?

No. Loan originators are not billed directly for processing and we do not provide in-house processing. You may process yourself, employ your own processors, or you can contract with a licensed off-site processing company.

How long have you been branching?

Semper Home Loans' branch operation was launched in 2010. While our branching resume is shorter than some, this is what allowed our platform to be designed from the ground up to take advantage of technology, and to serve the needs of originators in this current environment.

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.

Will I have orientation training on day one?

Yes, you will be scheduled for three training sessions. You will get Encompass training on day one, and then you will get loan process training, and training on our accounting and payroll systems.

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.

Is there an upfront fee I must pay to Semper in order to become a branch?

No, but you are responsible for your own NMLS licensing fees.

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.

Any there any per loan fees or charges I should know about?

We charge an underwriting fee of $895 per loan.

How much can your top performers make?

We want to attract and keep the best talent, and we know this requires the best pay. Our products, pricing, processes, and commission structure were all designed with an eye toward attracting and cultivating “Six-Figure Loan Officers." We make it easy for you to attract talent, but it is up to you to negotiate the splits with your Loan Officers. The better branch managers will wind up in the mid six figures, but we’d really like you to be the first to get to seven.

Will I be permitted to develop satellite branches under my branch?

Yes, and we will help you train and support all your new hires so they can quickly start adding to your branch volume.

Is there a minimum commission percentage I must charge on a loan, or am I free to price a loan as I choose?

We have no minimum commission requirements, but you may choose to put a minimum in place for your LO’s. After all, it’s up to you, not them, to make sure you are running a highly profitable branch.

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.

How long have you been branching?

Semper Home Loans' branch operation was launched in 2010. While our branching resume is shorter than some, this is what allowed our platform to be designed from the ground up to take advantage of technology, and to serve the needs of originators in this current environment.

Will I have orientation training on day one?

Yes, you will be scheduled for three training sessions. You will get Encompass training on day one, and then you will get loan process training, and training on our accounting and payroll systems.