Semper Financial |
| United States, Rhode Island |
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Consumer reviews about Semper Financial |
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garralli
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Mar 16, 2012
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Misleading/Unprofessional service
We are a vendor in another state and we were contacted by Semper Home Loans to do a termite inspection for one of their clients here in our area. Our policy is to collect at the time of service, but as a former Marine myself, I though Semper Home Loans was a legit company so we agreed to bill them for the service. Fast forward to today where we are 2 months after the loan closed and we still haven't been paid. We do over 100 Real Estate transactions per month and we always get paid a few days after closing. I realize that 1. this is a refinance and there is a 3 day rescission here in my state so that would delay payment, and 2. it takes about a week to receive mail from RI to my state. With all of that we still should have received pmt by now. I have contacted the loan officer 4 times now and each time he says he will make sure we get a check. He told me that he turned it over to his supervisor but still nothing. This may all seem minor but it's the principle to me. I know that as a veteran, VA requires a NPMA-33 (wood infestation report) and I also know that the borrower can not be charged for this service, the lender is required by the VA to pay for the inspection. Semper closed the loan and won't pay us, a small family-owned business just trying to make ends meet. My next step is to send the bill to the home owner and hold him accountable. If that doesn't work, I'll file a mechanic's lien on the property. The thing is, through all of this, as I said, I'm a veteran, , , , do you think I'm going to use Semper when I get ready to buy or refinance again?
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Ladyday1963
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Apr 2, 2012
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Misleading/Unprofessional service
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!
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Sophiasam
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Apr 7, 2012
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Misleading/Unprofessional service
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.
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guru-shopper
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Apr 10, 2012
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Misleading/Unprofessional service
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/
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