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.

VA Loans Made Easy...

Even When The Situation Isn't

Get trusted VA loan guidance for everything from straightforward purchases to more challenging scenarios.

Take the 30 second mortgage quiz to see if you qualify

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

Click here to get your copy

I’m Carlos Scarpero, bestselling author, public speaker, educator and multi state licensed mortgage broker specializing in VA home loans.

My mission is simple….make the VA mortgage process easier for you by providing clear guidance, honest answers, and real expertise every step of the way.

Whether your situation is straightforward or more complex, my goal is to help you close quickly, avoid unnecessary stress, and make sure you’re treated fairly with competitive rates and fees.

Take the 30 second mortgage quiz to see if you qualify

I had gotten the runaround from another VA lender but you made it happen. Thank you Carlos!

Dan B.
US Army Veteran, Dayton, Ohio

Why Work With A Mortgage Broker?

As a full service mortgage broker with access to over 150 lenders, I can help you with any VA home loan situation.

We offer 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, VA Mixed-Use and more.

If you have good credit, I offer amazing VA home loan rates by shopping your loan with multiple lenders so you can be sure to get a great deal.

If you have challenges, I have the resources to present your case in the most positive light to the right underwriters. This gets you the maximum chance for approval.

We shop the market

so you don't have to

Which saves you

time and stress

We work with over

150 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

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. Each member of the Vetted VA community is expected to conduct themselves with the utmost integrity and have positive reviews.

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!

Click here for a review of the Vetted VA program and what veterans can expect by working with a Vetted VA member.

Licensing

I hold licenses in multiple states under the SAFE Act (formerly known as the Mortgage Broker Act). Click here to view the current list of states where I am licensed.

Additionally, through our corporate referral program, I am able to offer mortgage financing in most states where I’m not personally licensed. 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.