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.
Most of the borrowers I work with are either getting a VA home loan or getting a Non-QM home loan.
I am the author of the Amazon bestselling book, VA Loans Made Easy.
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 and more.
However, I am a full service mortgage broker with access to 110 different lenders.
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.
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!
I hold Ohio, Kentucky, Indiana, Florida, Texas, South Carolina, Virginia, Tennessee, Arizona and Alabama Mortgage Loan Officer licenses under the SAFE Act (formerly known as the Mortgage Broker Act). Additionally, through our corporate referral program, I am able to offer mortgage financing in several other 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