| Team Maluk

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 the Team.

Eric Maluk

Branch Manager

NMLS# 4733

(401) 413-0947

emaluk@semperhl.com

Cindy Vo

Team Leader | Loan Officer

NMLS# 1477305

(508) 963-2839

cvo@semperhl.com

Luis Rondon

Loan Officer

NMLS# 1854396

(401) 527-5214

lrondon@semperhl.com

Hugo Rego

Loan Officer

NMLS# 1825184

(774) 992-3306

hrego@semperhl.com

Nice words from nice people.

What our clients are saying

Eric Maluk is an absolute pleasure to work with. Eric gave me the pre approval within a couple of hours of sending my docs to him and made that the process very easy and from there to the closing, Eric has made the process go very smoothly and were able to have everything processed a couple of days before the closing date.

Mohammed S.

Purchase

I am so glad that we chose to work with Cindy through the homebuying process. From start to finish she was supportive, responsive and informative. This is my first homebuying experience and Cindy and her team provided me with every resource I needed to make the entire process as smooth as possible.

Patty O.

First-time Buyer

As a first time homebuyer, I was nervous about the process. Eric and the team at Semper put me at ease. The app was easy to use and made the process seamless, allowing me to easily upload all required documents. Communication was clear and reliable.

Elizabeth R.

First-time Buyer

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