Thank you for your interest in doing an online mortgage application with us.
If at any time you have questions, please do not hesitate to call or text me at 937-572-3713.
Before we get started here are some frequently asked questions...
Is my information secure?
Yes, our loan application protected by high grade 128 bit encryption on our servers.
Will this cause me to get a credit inquiry?
Yes, we will need to pull your credit to see if you qualify. However, the "pulling credit kills credit scores" myth is way overblown. Here's a video that was produced by Sam Parker, a credit repair expert, that explains why this is the case.
Will my information get sold to third parties?
Carlos Scarpero and Epoch Lending do not sell information.
That being said, there are unscrupulous mortgage companies out there that manage to use credit inquires to trick you into applying with them. This is a violation of the Do Not Call Act and should be reported immediately. The only calls you will get from us will either be from me, Carlos Scarpero, or a member of my team.
What if I don't know all of my information?
Answer everything the best you can. Skipping questions is allowed on our application form. We can make adjustments later if necessary.
Do you need my pay stubs and w2 forms?
We will request this info later after you get approved. It's not needed for this step.
When you click on the Get Started link below, you will be taken to an application page.
Then, you will go through a series of questions. Answer them the best you can. I will call you as soon as I can to let you know if you are approved.