Do you only offer VA loans?

I am a full service mortgage broker. Although VA is the majority of what I do, I also have other mortgages like FHA, Conventional, USDA and Non QM.

Do you only service the Dayton and Cincinnati markets?

Dayton and Cincinnati are the majority of my business. However, I'm authorized to offer mortgage loans in 40 states. For loans outside of these areas, I can refer them to friends in the business.

Refinance | Carlos Scarpero- Mortgage Broker

Can You Refi A VA Loan With Bad Credit?

February 5, 2026 No Comments

Can You Refi a VA Loan With Bad Credit? If you have a VA loan and a low credit score, you might assume refinancing is

VA IRRRL Refinance vs VA Cashout

October 8, 2025 No Comments

VA IRRRL Refinance vs VA Cashout When mortgage rates move, veterans often face two main refinance paths: the VA IRRRL (Interest Rate Reduction Refinance Loan)

Why Would Someone Refi To A Higher VA Loan Rate?

October 1, 2025 No Comments

Why Would Someone Refinance to a Higher Rate on Their VA Loan? On the surface it sounds backwards: you refinance your VA home loan and

Who Should Refinance In December, 2023?

December 20, 2023 No Comments

Who Should Refinance In December, 2023? https://www.youtube.com/watch?v=sZAW0egRgcs Who needs to refi right now? We have experienced a market where rates are finally dropping. Yea!