Business ProfileforSemper Home Loans, Inc.

We got approved for a home loan from Semper Loans and were told that the interest rate would lock and that our loan ******** ******************** was checking rates daily and would advise us on when a good time to lock the interest rate would be. We were then told we couldn't lock the interest rate until after our inspection period. After our inspection period we still did not hear from ****. We reached out and he sent us a form that had an interest rate of ***** bought down for us to sign. We spoke with him and asked him why it took so long for our interest rate to be locked and asked why we had not heard from him and he admitted that it was because he was not on top of it. We told him we had no interest in buying down the rate and wanted the interest rate without buying the points. The last page of this document said the interest rate ***** without buying any points. **** then sent us a paper, the same day, that said our interest rate was ****. When we called and told him the math did not add up and we should have the interest rate of ***** without buying any point, he quickly said someone in the office must have made a mistake and was very dismissive of our concerns. We asked to speak to anyone else at the office and we were not allowed to do so since he is the manager. This was all happening within a week of our closing date. We then called Semper headquarters and the lady we spoke to was very apologetic and said someone from higher up will contact us ASAP to sort it out and that **** was in the wrong and there was no need to push our closing date. We did not hear back for 2 days so we called again and again the person we spoke to said someone will call us ASAP. No one ever ended up calling us and we ended up having to close with the higher interest rate. We feel that **** did not act in our best interest and took advantage of the fact that we are first time home buyers and Semper Home Loans brushed it under the rug.