About Me

I am Carlos Scarpero, a mortgage loan originator with Edge Home Finance, specializing in VA home loans for veterans and military families. My NMLS number is 1674385, and I am the author of VA Loans Made Easy.

My work centers on the files other lenders turn away: low credit scores, previous VA loan denials, VA manual underwriting, bankruptcy and foreclosure, collections and charge-offs, no traditional credit score, self-employment and complicated income, and VA renovation loans.

A denial from one lender is often about that lender’s overlays, which are extra rules a lender adds on top of VA guidelines, not about VA rules themselves. Part of my job is figuring out which rule stopped your file, and whether a different lender’s guidelines fit it better. Nothing on this page promises approval. Every loan is subject to underwriting approval.

Start with the situation that matches yours: Complex VA Loans, VA Manual Underwriting, and VA Loan Credit Score Requirements. You can also see my licenses, my LinkedIn profile, and my media page.

Site-verified licensing footprint (34 states, as published on this site; this list is site-verified, not NMLS-verified, so confirm current status and license numbers on my NMLS Consumer Access profile): Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin. Through the Edge Home Finance referral program, our team can also help veterans in other states except New York.

I have an odd combination of marketing and real estate experience. Prior to working as a Mortgage Loan Officer, I was the owner of an online marketing agency, Mr. Leads.

I’ve done several types of mortgage loans. I got my start doing debt consolidation loans several years ago, but these days VA loans are my favorite.

I also did mortgage closings as a freelance loan closer for 11 years and have seen just about every kind of situation you can think of.

I’ve also been an active real estate investor, with a focus on tax certificate and tax foreclosed property. This gives me a unique perspective you won’t find anywhere else.

If you are deciding whether to work with me on your VA loan, here is the short version of what you get: why veterans use me for their VA loan.

I’m also VERY passionate about networking and referrals. For 5 years, I ran a networking group called Dayton Pulse and met many local business owners. I LOVE giving referrals. If you need to meet anyone or need any resource, just ask. There’s always someone in every town who “knows a guy”. Here in Dayton, I am that someone who “knows a guy.” Ok, several guys (and girls)!