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.

Introducing FinLocker…A New Way To Prepare For Homeownership | Carlos Scarpero- Dayton and Cincinnati Ohio Mortgage Broker

Introducing FinLocker... A New Way To Prepare For Home ownership

I’m pleased to announce that I’m able to offer the FinLocker program to anyone that wants to get it.

FinLocker is a FREE service that allows you to see your credit score and report, monitor your credit and get a “borrower readiness” assessment to see if you are ready for a mortgage.

If you already own a home it can also show you your home’s estimated value and show you if it’s worthwhile to refinance.

Organize Your Financial Life

With FinLocker all of your financial info is in one place, making it easy to see everything at a glance. You can also share your info with your Financial Advisor or Loan Officer making it easy to reach your financial goals

Safe and Secure

You are in complete control of what gets shared when and to whom. All with high grade bank level security.

Tools to Plan For Important Milestones

Establish savings goals for buying a home or other financial goals

Home ownership and Mortgage Education

Finlocker provides over 140 educational videos to help you learn more about the home buying process

Real Estate

If you currently own your own home, you can use FinLocker to track its value and see how much equity you have in the home

100% Free to Use

FinLocker is entirely paid for by the sponsoring mortgage lender or broker so there’s no cost to you to use the program