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

Dayton and Cincinnati Ohio Mortgage Loans

Check Your Mortgage Options for FREE!

Use one of my quick & easy tools to find out what you qualify for. 

Rather call or text? I can be reached at 937-572-3713!

My name is Carlos Scarpero and I'm your friendly, forward thinking VA Mortgage Loan Specialist with Ross Mortgage Corporation.

VA loans are great because they offer our hard working veterans an opportunity to own a home with no down payment and lower closing costs. 

Sadly most loan officers and Realtors don't understand the ins and outs of VA Mortgage loans. It's not a difficult process but it is different from other loan types.

It's a program that's very misunderstood in the marketplace. Some bad information can really mess you up! 

military mortgage boot camp

In order to help Realtors understand the ins and outs of VA lending, I have partnered with Military Mortgage Bootcamp to teach free continuing education classes to Realtors in and around Dayton and Cincinnati.

Be sure to visit my other website to see the special deals from Dayton area businesses that are available to veterans.

Other Mortgages Offered

FHA Mortgages

FHA mortgages are great for borrowers who want a low down payment and more lenient credit standards. Our minimum credit score for FHA financing is 580.

USDA Mortgages

USDA mortgages allow borrowers to buy property in the USDA approved lending area (typically in the country) to buy property with zero money down. 

Conventional Mortgages

Conventional mortgages from Fannie Mae and Freddie Mac allow borrowers with a score of 620 or higher and some money in the bank to get great rates and terms.

Renovation Mortgages

The 203k program allows borrowers to purchase or refinance a home and roll the rehab costs into the mortgage. We offer both the limited program and full 203k program. This can also be combined with the HUD $100 down program for foreclosed homes. We also offer the Fannie Mae version of this program called Fannie Mae Homestyle. Fannie Mae's program is a lot better for borrowers who are renting out the home or have student loan debt.

Jumbo Mortgages

Jumbo mortgages are for borrowers who need to borrow over the Conventional lending limit (currently $510,400 in Ohio). 

We have very few overlays on our mortgage programs. This means we are able to approve more people than our competitors can!

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

My employer, Ross Mortgage Corporation, holds Mortgage Broker and Lender licenses and their NMLS number is 107716.

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.