Take the 30 second mortgage quiz to see if you qualify
My name is Carlos Scarpero. I am a mortgage broker based in Centerville, Ohio, just outside of Dayton.
I’m on a mission to guide you through the mortgage process so that you can get approved and closed for your home loan easily and effortlessly.
I love the benefits that the homeownership provides, but was fed up seeing potential homeowners needlessly get turned down, or get pushed into more expensive mortgage products due to ignorance about mortgage guidelines.
So, I went and got mentored by the nation’s top experts on mortgage lending.
I know the ins and outs of mortgage lending to insure you are treated fairly and close quickly with reasonable rates and fees and that makes all the difference.
Take the 30 second mortgage quiz to see if you qualify
I had gotten the runaround from another VA lender but you made it happen. Thank you Carlos!
Whether you have good credit or are facing challenges, I’ve got you covered.
If you have good credit, I offer amazing rates by shopping your loan with over 150 lenders so you can be sure to get a great deal.
If you have challenges, I have the resources to present your case in the most positive light to the right underwriters. This gets you the maximum chance for approval.
Most of the borrowers I work with are either getting a VA home loan or getting a Non-QM home loan.
I have every VA mortgage program imaginable including VA purchase loans, bad credit VA loans, VA renovation, VA IRRRL streamline, VA cashout refinances, VA multi family, VA condo loans, VA One Time Close Construction Loans, VA Mixed-Use and more.
On the Non-QM side, I have access to many different programs, including bank statement loans, P and L loans, cannabis loans, no doc loans, All In One Loan, jumbo loans, fix and flip loans, DSCR loans and more.
However, I am a full service mortgage broker with access to 150 over different mortgage lenders. Whatever your situation, I’ve got you covered.
Our most common programs are:
I am proud to have completed the Vetted VA certification program and am an active moderator for the Vetted VA community.
Less than 1% of loan officers in the country have completed this certification. Each member of the Vetted VA community is expected to conduct themselves with the utmost integrity and have positive reviews.
This is important because you will have access to the most accurate VA information anywhere and I will be able to handle any VA related scenario that comes across my desk. If there’s a VA deal to be done, I’ll find a way to make it happen!
Click here for a review of the Vetted VA program and what veterans can expect by working with a Vetted VA member.
I hold licenses in 21 states under the SAFE Act (formerly known as the Mortgage Broker Act). Click here to view the current list of states where I am licensed.
Additionally, through our corporate referral program, I am able to offer mortgage financing in over 25 additional states. If you are outside of my coverage area, I can still help you because I am connected to a network of loan officers all throughout the country.
That being said, the majority of my business is in Southwest Ohio, in or near Dayton and Cincinnati.
I am the bestselling author of the Amazon bestselling book, VA Loans Made Easy.
“Carlos has masterfully demystified the VA loan process, offering concise and easily digestible explanations. His approach is akin to a beginner’s manual for VA loans, where he skillfully distills intricate details into comprehensible segments. This book comes highly recommended for anyone seeking a clearer insight into VA loans.” – Marianne Bailey, TheHipSenior.com
Carlos made the process of getting a VA loan simple and I had no worries.
If you’ve been denied for a VA home loan by major lenders like Veterans United or Rocket Mortgage, don’t lose hope. You still have a strong chance of getting approved. The reason? Many big online lenders enforce additional rules known as lender overlays, which go beyond what the VA itself requires.
Manual underwriting is a process that involves a human underwriter reviewing an applicant’s financial information instead of an automated system. This process can be used for VA loans when the VA’s algorithm doesn’t approve an applicant, or when an applicant has certain negative items in their credit history.
Are you worried about your credit history affecting your chances of getting a VA home loan? In this video, we break down the VA’s rules regarding credit occurrences and explain how you can potentially overcome credit challenges.
Take the 30 second mortgage quiz to see if you qualify
