Real Estate Agents


Real estate agents work very hard to find buyers and Semper Financial works very hard to keep the loan application of your buyer moving forward very hard. We have over 20 years of solution oriented, out of the box get-it-done team members which directly helps you get more referrals helping your business grow. The founder of Semper Financial owns Smith Home Sales DRE #01233501 which has the same challenges as you do when moving forward with a potential offer. 

Semper Financial funds loans thru 5 out of 10 of the countries top mortgage wholesale lenders, Quicken, Loan Depot, Claiber, Stearns, United Wholesale Mortgage. We Also offer private/hard money, called NON-QM, which offers your self employed, off the radar cash carrying folks a way to go. 

The main goal is to secure your buyer/borrower financing in a very smooth, hassle-free process. Loans have been simplified, so lets get your borrowers qualified and shopping for their new home as quick as possible.


Join Our Team


       It is our Team's job to either find that perfect home for you and your family, or to help you sell your current home quickly, smoothly and at market value or above. To accomplish those goals I need to first understand your dreams and goals. Next we need to develop the right marketing plan if you are selling your home, or define the perfect home if you seek your dream home.

       For Sellers, Our Team will design the perfect marketing strategy to meet your financial and schedule goals. I will then implement the plan for the successful completion of the sale of your home. Once the home is in contract, We will extend support associates that will work hard to keep the escrow on track and running smoothly.  After Escrow closes We will be there for any further questions or assistance you may have.
       For our Buyers, we will meet and discuss your vision of the perfect dream home for you that meets your budget. Once we know what you are looking for we then discuss the ‘where’ aspect of the search. Once we are all in agreement on Features, Price and Location, the hunt begins! I will be there to guide you through the possibilities until we find the perfect home. Once in escrow, We will fight for you to make sure the escrow goes smoothly and cost effectively as practical until the day our Team hand you the keys to your new dream home.
Please text Us at 951-227-0493 to begin the journey together!

James Patrick Smith,  DRE # 01233501

Contract Link:

W9 Link:

Transaction Checklist Link:

Association Application for OCAR Link:

Commission Exhibit A Link:

California Department of Real Estate Salesperson Change Application Link:

California Department of Real Estate Broker-Associate Change Application Link: