Dayton and Cincinnati Ohio Mortgage Loans | Carlos Scarpero, Mortgage Broker in Dayton, Ohio, NMLS #1674385

Dayton and Cincinnati Ohio Mortgage Loans

My name is Carlos Scarpero and I'm your forward thinking mortgage loan officer with Epoch Lending. 

Epoch Lending is a mortgage broker, which means that we scan the market to find a customized quote for your situation. By doing this, we are able to remove a lot of the stress from the home financing process.

Why Work With A Mortgage Broker?

Excellent Credit

We shop the market so you don't have to.

We work with over 30 different investors to get you a customized quote that makes the most sense for your situation. All with only one credit inquiry. 

You will find that our rates and closing costs are very competitive while getting you to the closing table much quicker than banks and online lenders can. 

Credit Challenged

Have fair or poor credit?

We listen to your needs and are willing to give you a fair chance.

We have investors that will work with credit challenged borrowers. Many of these investors are able to offer manual underwriting programs that the big banks and online lenders just won't touch.

Even if you can't get approved today, we believe that you deserve a shot at home ownership. A no is never a no, just a "not today."

If you can't get approved right now, we will offer step by step instructions on how to get approved.

Specialty Programs

Have a special situation?

If you have an "outside the box" type situation, let us take a look at it. 

If there's an investor that will write a mortgage on it, we will find that program and let you know.

military mortgage boot camp

I am proud to have completed the Military Mortgage Bootcamp training course to help our Veteran community.  By taking this training, I understand the VA mortgage program better than 99% of all the loan officers out there. 

I hold Ohio and Kentucky Mortgage Loan Officer licenses under the SAFE Act (formerly known as the Mortgage Broker Act). My NMLS # is 1674385.

The NMLS number for my  employer, Epoch Lending is 1816421. We are proud to be members of AIME, the Association of Independent Mortgage Experts, an association of mortgage brokers which seeks to raise standards in the mortgage community.

The vast majority of my clients are in the Dayton and Cincinnati, Ohio metro areas.

Some of the places I've closed loans in include...Centerville, Kettering, Miamisburg, Vandalia, Troy, Englewood, Fairfield, West Chester, Middletown, Springfield, Huber Heights and many more!

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 click here to send me a message.


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