| 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 Daniel Fogg

Loan Officer | NMLS# 823820

Daniel Fogg is one of the leading Loan officers in the country! Daniel has been recognized by the Scotsman Guide as a top 100 LO in the country multiple times just in the last few years. With licenses in 38 states and being with Semper since 2012, Daniel has helped thousands of families with their home purchase or refinance nationwide.

dfogg@semperhl.com

401-519-2403

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 Dan at Semper Home Loans helped us immensely in buying our first house. I felt like I annoyed them with all of my questions but they were honest, compassionate and all around great to work with. Highly recommend for first time home buyers!

S. Penta

First-time buyer

Daniel WAS AMAZING!!! Applied, was CONTACTED W/in 4 hours; paperwork was done w/in 48 hours; REFI w/Cash Out DONE within 23 days! HIGHLY RECOMMEND!!!!

Brian K.

Refinance

Dan was a constant source of support and guidance. He was always there to answer questions, provide updates, and ensured that I got the best loan possible. If you want a stress-free experience and to work with someone who genuinely cares about your financial well-being, look no further

L.C.

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