| Team PVD

We make it simple, you make it home.

We understand that buying a home is a significant milestone, and we're here to assist you every step of the way! With low rates and fast pre-approvals, we make the homebuying process easy. Our dedicated team is here to support you, answer all your questions, and ensure your homebuying experience is enjoyable.

It's not just any loan, it's your loan.

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:

Conventional

Loans

Fixed Rate Mortgages

Adjustable Rate Mortgages

FHA

Loan

Down Payment Assistance

203(k)

Renovation

VA Loan

Jumbo

Loan

USDA

Loan

Non-QM

Programs

Refinance

Options

...And More!

Meet Zacary Simoneau

Sr. Loan Partner | NMLS# 2082333

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

Nice words from nice people.

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.

J. Dionne
Refinance

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!

Joseph D.
Purchase

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.

Marilin D.

Purchase

Questions? Let's talk!

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