What Type of Mortgage Are You Looking For?
- FHA Mortgage
- USDA mortgage
- VA Mortgage
- Conventional mortgage
FHA mortgages are great because you can still get a great rate with less than perfect credit. FHA also allows you to use gift funds for your down payment
USDA mortgages are great for purchasing rural properties. Luckily, you don't have to live in the middle of nowhere. In many cases, an outer suburb would qualify. USDA mortgages do not require a down payment
VA mortgages allow Veterans to buy homes with no money down at a great rate. If you are a Veteran, in most cases, this is your best option.
Conventional mortgages offer outstanding rates to people with great credit. It's a great choice if you can qualify for it.
My name is Carlos Scarpero and I'm your friendly, forward thinking loan officer with Paramount Residential Mortgage Group, Inc. also known as PRMG.
Through PRMG, I offer a number of loan types including FHA, VA, USDA, Conventional and Non QM (formerly known as Subprime). However, the vast majority of my approved applications are FHA purchase loans.
Through FHA, I can offer home mortgage financing down to a 580 credit score with 3.5% down or a 550 score with 10% down. Because our company underwrites at FHA minimum standards with no overlays, we can approve many borrowers that get turned down by the big banks and online lenders.
For borrowers that can't meet FHA guidelines due to poor credit or because they are over the lending limit, I can also offer Non QM mortgages. This is the new name for Subprime lending.
I hold an Ohio Mortgage Loan Officer license, NMLS #1674385. Feel free to look me up by clicking here.
Due to the way PRMG, Inc is licensed, I can originate loans in 47 states and the District of Columbia!
However, most of my business is in or near Dayton and Cincinnati, Ohio.
It's my job to guide you through the mortgage process and make sure everything runs smoothly.
Your home is the most important purchase you will ever make. I hope that you will decide to trust me to guide you through the process.
If you are ready to get started, I'm here to help! I can be reached by phone or text at 937-572-3713 or firstname.lastname@example.org. You can also reach me on Facebook Messenger by clicking on the blue button on the bottom of this page.
Paramount Residential Mortgage Group Inc. is an Equal Housing Lender, NMLS id 75243