We offer a comprehensive range of loan solutions, allowing you to choose the one that best fits your needs. Here are some of the programs we provide:




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With a seasoned career in the financial industry, Zacary brings extensive experience in loan processing and closing. He excels in fast-paced environments, using his expertise to streamline processes and ensure seamless transactions. His passion for helping clients achieve their financial goals makes him a trusted partner in their journey to success.
zsimoneau@semperhl.com
401-519-2426
What our clients are saying
Zac and his team were extremely helpful and quick to respond. He made my borrowing experience a great one. I will recommend him to all my family and friends.
I am buying my very first home and working with Zac made the process so pleasant and enjoyable! Would recommend Zac to anyone looking for a home loan!
Just wanted to start by saying that I was scared buying a home , but Zac my loan officer did an exceptional job made this home buying process smooth sailing. He was always there when I had any questions. He made my loan process easy from the beginning to my closing date. He was there step by step through my whole process. ZAC and team wanted to say thank you helping me through this new chapter in my life in my new forever home. I would highly recommend Zac and team for all they did for me. This was an amazing journey.
Purchase
About Semper Home Loans
We are a Rhode Island based national mortgage lender, licensed in 40 states. Our goal is to get our clients home faster, easier, and smarter.

Equal Housing Lender© 2010-2025 Semper Home Loans, Inc. NMLS #1053 www.nmlsconsumeraccess.org
Semper Home Loans, Inc. is an Equal Opportunity Employer. Semper Home Loans, Inc. does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law.
Semper Home Loans, Inc. is an Equal Housing Lender. We do business in Accordance with Federal Fair Lending Laws. Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap or familial status (having children under the age of 18) to: Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling or to deny any loan secured by a dwelling; or Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.
All employment is decided on the basis of qualifications, merit, and business need. Licensed in the following states: AL, AZ, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, LA, ME, MD, MA, MI, MT, NE, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WY