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  5. Semper Home Loans, Inc.

Semper Home Loans, Inc.

Headquarter

Company Details

Name: Semper Home Loans, Inc.
Jurisdiction: Rhode Island
Entity type: Domestic Profit Corporation
Status: Activ
Date of Organization in Rhode Island: 09 Mar 2005 (20 years ago)
Identification Number: 000146354
ZIP code: 02907
County: Providence County
Principal Address: 225 DUPONT DRIVE, PROVIDENCE, RI, 02907, USA
Purpose: MORTGAGE LOAN TRANSACTIONS
Historical names: Semper Financial Mortgage Corporation

Industry & Business Activity

NAICS

522292 Real Estate Credit

This U.S. industry comprises establishments primarily engaged in lending funds with real estate as collateral. Learn more at the U.S. Census Bureau

Companies doing Real estate credit

Links between entities

Type Company Name Company Number State
Headquarter of Semper Home Loans, Inc., IDAHO 572030 IDAHO
Headquarter of Semper Home Loans, Inc., IDAHO 3783752 IDAHO
Headquarter of Semper Home Loans, Inc., IDAHO 4295540 IDAHO
Headquarter of Semper Home Loans, Inc., ALABAMA 000-945-781 ALABAMA
Headquarter of Semper Home Loans, Inc., NEW YORK 3262652 NEW YORK
Headquarter of Semper Home Loans, Inc., FLORIDA F05000004134 FLORIDA
Headquarter of Semper Home Loans, Inc., COLORADO 20101585297 COLORADO
Headquarter of Semper Home Loans, Inc., CONNECTICUT 2896133 CONNECTICUT
Headquarter of Semper Home Loans, Inc., CONNECTICUT 0814125 CONNECTICUT
Headquarter of Semper Home Loans, Inc., ILLINOIS CORP_67611586 ILLINOIS

form 5500

Plan Name Plan Year EIN/PN Received Sponsor Total number of participants
SEMPER HOME LOANS 401(K) PROFIT SHARING PLAN & TRUST 2023 202485875 2024-09-23 SEMPER HOME LOANS 111
File View Page
Three-digit plan number (PN) 001
Effective date of plan 2012-01-01
Business code 812990
Sponsor’s telephone number 4015192364
Plan sponsor’s address 225 DUPONT DRIVE, PROVIDENCE, RI, 02907

Signature of
Role Plan administrator
Date 2024-09-23
Name of individual signing JENNA MORRIS
Valid signature Filed with authorized/valid electronic signature
SEMPER HOME LOANS 401(K) PROFIT SHARING PLAN & TRUST 2022 202485875 2023-05-25 SEMPER HOME LOANS 107
File View Page
Three-digit plan number (PN) 001
Effective date of plan 2012-01-01
Business code 812990
Sponsor’s telephone number 4015192364
Plan sponsor’s address 225 DUPONT DRIVE, PROVIDENCE, RI, 02907

Signature of
Role Plan administrator
Date 2023-05-25
Name of individual signing JENNA MORRIS
Valid signature Filed with authorized/valid electronic signature

Agent

Name Role Address
JOSHUA L. CELESTE, ESQ. Agent 321 SOUTH MAIN STREET 4TH FLOOR, PROVIDENCE, RI, 02903, USA

PRESIDENT

Name Role Address
MATTHEW JAMES SULLIVAN PRESIDENT 225 DUPONT DRIVE PROVIDENCE, RI 02907 USA

TREASURER

Name Role Address
RAYMOND DUQUETTE TREASURER 255 DUPONT DRIVE PROVIDENCE, RI 02907 USA

SECRETARY

Name Role Address
MICHAEL J SECURO SECRETARY 255 DUPONT DRIVE PROVIDENCE, RI 02907 USA

VICE PRESIDENT

Name Role Address
MICHAEL J SECURO VICE PRESIDENT 255 DUPONT DRIVE PROVIDENCE, RI 02907 USA

DIRECTOR

Name Role Address
MICHAEL J SECURO DIRECTOR 255 DUPONT DRIVE PROVIDENCE, RI 02907 USA
MATTHEW J SULLIVAN DIRECTOR 255 DUPONT DRIVE PROVIDENCE, RI 02907 USA
RAYMOND DUQUETTE DIRECTOR 255 DUPONT DRIVE PROVIDENCE, RI 02907 USA

Events

Type Date Old Value New Value
Name Change 2010-01-29 Semper Financial Mortgage Corporation Semper Home Loans, Inc.

Filings

Number Name File Date
202444055530 Annual Report 2024-01-16
202339587030 Annual Report 2023-07-19
202338073570 Revocation Notice For Failure to File An Annual Report 2023-06-19
202221877980 Annual Report 2022-08-02
202220085160 Revocation Notice For Failure to File An Annual Report 2022-06-27
202193948930 Annual Report 2021-03-15
202035889230 Annual Report 2020-03-04
201901642850 Statement of Change of Registered/Resident Agent Office 2019-07-03
201989456950 Annual Report 2019-03-28
201859908800 Annual Report 2018-03-08

CFPB Complaint

Complaint Id Date Received Issue Product
3622711 2020-04-25 Closing on a mortgage Mortgage
Issue Closing on a mortgage
Timely No
Company SEMPER HOME LOANS, INC
Product Mortgage
Sub Product Conventional home mortgage
Date Received 2020-04-25
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-04-29
Company Public Response Company disputes the facts presented in the complaint
Complaint What Happened My name is XXXX XXXX and I was in the process of closing on a home mortgage loan with Semper Home Loans when I received the unexpected news that due to a disparity between my loan officer and his company my loan would no longer close. I had already signed and completed the closing disclosures, had a date and time set with the closing attorneys for Monday XX/XX/2020 at XXXX XXXX, and all conditions had been met and file was in clear to close. With no reason what so ever upper management simply decided not to close my loan, because they had a disagreement with had stated the file over something not even related to my file. This just doesnt seem right to me specifically as i had nothing to do with such disagreement. I am writing to see if there is anything that can be done. Losing this closing would not only mean losing the home that I have worked hard to obtain, but also the money invested with the inspection, appraisal and other fees as well as my valued time.We have reached out to the state of RI but so far no answer. i have also included the Loan officer 's email to the state of RI with additional details about this case. we are now in the process of doing the loan with another company, which will cost us another appraisal fee. Simply unnecessary. We have tried reaching the president of the company over and over with no response at all. i will also add some of the emails we have sent them as well as some of the emails Thank you in advance, XXXX XXXX. the LO has sent them as well in this Hello RI DBR, / CFPB My NMLS # is XXXX. I had worked for Semper Home Loans for 7 years and 4 months until they abruptly terminated my employment yesterday. I am the XXXX XXXX on XXXX XXXX 's loan. To retaliate against me, they have refused to close the loan for XXXX XXXX which they had already approved and issued a closing disclosure indicating a closing would occur on Monday, XX/XX/2020. XXXX XXXX has supplied and signed everything requested of her. This loan should be cleared for closing on Monday. XXXX and her young family and now subject to significant stress and hardship brought on by Semper Home Loans actions. It is my hope that RI DBR will find this action by a regulated lender to be completely unacceptable and that you will compel them to close this loan. I am available to speak with you because I wonder if an entity that would cause such grief and stress for a client is even worthy of being licensed by you to do business in our state or if they should at least be subject to significant penalties for their egregious actions. The XXXX family 's lives are in a state of total disarray over Semper 's childish actions. Sincerely, XXXX XXXX XXXX XXXX XXXX email to the owners- no response from them XXXX XXXX XXXX XXXX XXXX just had the uncomfortable assignment of telling me that XXXX informed her that because our branch was terminated yesterday, she has been informed that the only loans that were able to close were the loans that were already clear to close. This is not in line with your own branch manager agreement where you are required to give me 30 days notice of intention to terminate. Nonetheless, your employee XXXX XXXX ( copied here ) certainly didn't do anything to escalate the situation which resulted in XXXX terminating our branch. Why would you ever want to penalize him? Can you please do the right thing and get XXXX and his young family into their new home? All conditions have been fulfilled. His wife is under contract to close next week - she can't start over somewhere else without creating all sorts of inconvenience for multiple parties. Please reply back to confirm that you will close XXXX XXXX 's loan. Thanks, XXXX Email from my realestate agent to the president- no response has been received. Hi XXXX, my name is XXXX XXXX with XXXX XXXX XXXX XXXX, I'm writing to you because I'm very confused as to why my client XXXX XXXX 's loan isn't being called off after they got their loan disclosures signed. I reached out to some of the top agents in my office and they all expressed the same concern that a lender would do this. I understand that the XXXX branch was closed but the loan for my clients was already disclosed and ready to go by this Monday. What caused this abrupt stoppage after my clients invested their time, money, and put their house on the market to be sold during a time like this when we are all going through this pandemic together?
Consumer Consent Provided Consent provided
3864102 2020-09-24 Closing on a mortgage Mortgage
Issue Closing on a mortgage
Timely Yes
Company SEMPER HOME LOANS, INC
Product Mortgage
Sub Product FHA mortgage
Date Received 2020-09-24
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-09-24
Complaint What Happened My fiancee and I got approved for a Home loan through Semper Home loans in XXXX. Our loan officers Name is XXXX XXXX XXXX. He Got us approved for FHA loan at 3.5 %. He approved us at XXXX. We met up with him and XXXX and starting looking for Houses. I have a realtor. Her name is XXXX XXXX through XXXX XXXX located out of XXXX XXXX She had advised us to look for houses to fill our needs and to make sure it was FHA XXXX Our loan officer wanted advised us to go through who he knows. But XXXX was licensed in Connecticut because we we re looking in both states. We looked for houses for about 2 to 3 months. we finally found a house that we did not get out bid on. the home was a good home but needed alot of updated. so we made an offer and it got accepted. Our loan offer suggested we have the sellers pay closing fees to help us with the sale. they accepted. we offered XXXX and they would pay the closings. it came to XXXX. So we we started with the deal and had all the inspections done. it took about 3 weeks. we paid for water test XXXX. Pest control XXXX inspection which was XXXX well to be examined which was XXXX. The appraisal was XXXX. The sellers then had things to be fixed. the well to be redrilled. to be at state minimum. the electric box to be redone. the chimney had to be fixed. so then we planned for closing on XXXX. XXXX my loan officer asked for extension stated he need more time he was ready yet. So my realtor asked him what the problem was. He just stated that the inspections took long and we needed more time. the appraisal took over a week to be completed. We planned to close on the XXXX of XXXX and he stated he was not ready again. Told the sellers he was not ready and asked for the 2nd extension. So the sellers came back and stated that after the 3rd extension on the XXXX. they would not grant us another extension. they will move on and put the house back on the market for more money.My loan officer said oh. they cant do that. so anyways my realtor then told them you have to get this loan done immediately because we will loose our deposit a d all the Inspection money we put into the house. well the XXXX of XXXX came and my loan officer told them we were not ready that we needed more documentation on the loan. XXXX neglected to tell ilus we need divorce decrees. clear up something that was stated on my credit report. He was asking us for papers 3 days before we closed on the XXXX ... So he repeated told us we would get the house. We wont loose the house. swore up and down that he spoke to the sellers. Was lieing to our realtor and not answering our calls. called my fiancee to tell him everything was fine and said we would be moving out and moving in there within a few weeks. > I had everything packed. XXXX ordered. I changed my sons school. and enrolled him in to the new school. I changed my mailing address to the new house. XXXX XXXX XXXX. XXXX. the sellers then told us it was time of essence and they would not sell us the house that they are moving on by XXXX. on the XXXX of XXXX. the sellers gave us our deposit back of XXXX but we lost all of the inspection money we put in to the house. I'm asking for them to refund my money back. they agreed to pay for inspections on another house. if I stayed with them to get another loan for another house. I told them that I would not go through them again. XXXX wasted so much of our time not having all our documents ready for our loan. never submitted our loan for the house that we got. I dont feel that he should be doing loans period. He mis lead us. lied to us told me that my realtor just wanted money. along with the sellers. they were undermining him the whole time of the sale. he was committing fraud papers over to them to shut them up. I finally went to his office to pick up my file and he told me me my papers and documents wernt there. they were at his house. He never submitted our loan for what ever reason. the sellers wanted an explanation why he was not ready to close on the date of the XXXX XXXX. He said they didnt need to know. I called XXXX 's boss to complain he said he had no idea what happened. and told me he would process our loan and get us in the house 2 weeks later after all this happened. He was trying to say that he didnt know anything about our loan. He hung up on us a few times and felt like he was recording me. so he emailed us to get our documents back. and I stated that I was very unhappy with semper homes. and XXXX for stringing us along for months. we lost so many houses for under quoting us for a pre approval. He wanted all the sellers to pay closing costs. He kept telling us our loan was allset. I just want my money back. and I dont want him doing this to other families. I had my whole house turned upside down looking for documents he said he did not have when we gave him to him the first time we met. I can go on and on. XXXX 's boss XXXX XXXX told us he would have his attorney speak to the sellers attorney to get our house back. They told us we could rent it until our loan was approved. my realtor told me not to deal with semper home loans. and find another so we could possibly still have a chance to get our house. but the sellers backed out. and put the house back on the market after we paid for all the inspections to be done. so we wouldn't loose out.
Consumer Consent Provided Consent provided
12118064 2025-02-18 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company SEMPER HOME LOANS, INC
Product Credit reporting or other personal consumer reports
Sub Issue Old information reappears or never goes away
Sub Product Other personal consumer report
Date Received 2025-02-18
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-02-18
Company Public Response Company can't verify or dispute the facts in the complaint

Paycheck Protection Program

Loan Number Loan Funded Date SBA Origination Office Code Loan Delivery Method Borrower Street Address
4357487010 2020-04-03 0165 PPP 225 DUPONT DR, PROVIDENCE, RI, 02907-3112
Loan Status Date 2021-08-07
Loan Status Paid in Full
Loan Maturity in Months 24
SBA Guaranty Percentage 100
Loan Approval Amount (at origination) 890000
Loan Approval Amount (current) 890000
Undisbursed Amount 0
Franchise Name -
Lender Location ID 104778
Servicing Lender Name Greenwood CU
Servicing Lender Address 2669 Post Rd, WARWICK, RI, 02886-3039
Rural or Urban Indicator U
Hubzone N
LMI Y
Business Age Description Existing or more than 2 years old
Project Address PROVIDENCE, PROVIDENCE, RI, 02907-3112
Project Congressional District RI-01
Number of Employees 82
NAICS code 522310
Borrower Race White
Borrower Ethnicity Not Hispanic or Latino
Business Type Corporation
Originating Lender ID 104778
Originating Lender Name Greenwood CU
Originating Lender Address WARWICK, RI
Gender Male Owned
Veteran Non-Veteran
Forgiveness Amount 901026.11
Forgiveness Paid Date 2021-06-30

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RAYMOND DUQUETTE

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Date of last update: 09 Oct 2024

Sources: Rhode Island Department of State

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