What Our Customers Say

Google Reviews 5.0(72)

AI summary of reviews

Reviewers describe Carlos as a VA loan specialist who knows the VA guidelines in detail and explains the options in plain language. The themes that come up most often are quick responses and steady communication, help for veterans who had been turned down elsewhere or were worried about their credit, and closings that went smoothly and on time. First-time buyers say they went in nervous and found the process easier than expected, and many reviews name processor Pam alongside Carlos. Realtors and insurance agents also call him their go-to referral for VA clients. Summarized from 72 Google reviews. Individual results vary.

Amy Fick 11 days ago

I honestly don’t know if we would be sitting in our new home today without Carlos and Pam.

The last couple of years brought a lot of instability to our family because of circumstances and medical challenges we never expected. Along the way, our once excellent credit ended up with some blemishes, and when we decided we needed to sell our home and make a fresh start, we truly didn’t know if buying another house would even be possible.

We talked to lenders and brokers who essentially told us no.

Then we found Carlos.

From the very beginning, we were completely transparent with him about everything. Instead of immediately telling us it couldn’t be done, he said, “Let me see what I can do.”

And he did.

I kept giving him information. He kept looking at options, talking with lenders, and figuring out what might work for our situation. Eventually, he found a lender willing to give us a chance.

He was also very clear with us: there were no guarantees. Everything still had to make it through underwriting.

But he told us, “I’ll fight like hell for you.”

And he did.

Carlos and his processor, Pam, were absolute rock stars through this entire process. Our loan required a lot of documentation and there were plenty of moving pieces, but they stayed on top of everything from beginning to end.

Pam was incredibly kind, encouraging, patient, and supportive. She explained things when we didn’t understand them, helped us navigate every request, and somehow managed to make a stressful process feel a little less overwhelming.

Carlos advocated for us, explained our options, solved problems, and kept pushing things forward. He’s also incredibly knowledgeable about technology and has built processes that make communication and documentation so much easier than what we’ve experienced elsewhere.

And today, we closed on our dream house.

We never expected to have to sell the home where we raised our son. Life changed our plans, and eventually we realized our family needed a new beginning.

This house represents that for us.

I will always be grateful to the people who looked at our entire situation instead of reducing us to a credit score.

When the time comes for us to refinance, Carlos and Pam will be the first people we call.

If you’re looking for a home loan, especially if your situation isn’t perfectly straightforward, I cannot recommend this team enough. Carlos specializes in VA loans but works with multiple loan products and lenders, and I wouldn’t hesitate to send someone I care about to him.

Sometimes you just need someone willing to look for the path instead of immediately telling you there isn’t one.

Thank you, Carlos and Pam. We will never forget what you did for our family. ❤️🏡
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Dandre Graham 1 month ago

Carlos has been outstanding throughout my VA loan process. My situation wasn’t straightforward, but he took the time to understand my circumstances, clearly explain my options, and find a lender whose guidelines fit my needs. He has been honest, knowledgeable, responsive, and willing to answer every question without making me feel rushed or judged. After other lenders made homeownership feel out of reach, Carlos gave me a realistic path forward and worked hard to present my case properly. I highly recommend him to any veteran especially those with challenging credit or a complicated financial situation who wants someone experienced and genuinely committed to helping.
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William Becker 2 months ago

I highly recommend Carlos Scarpero for VA home loans. As a REALTOR®, Carlos is my go-to resource for my VA clients because he truly understands VA lending guidelines and does a great job helping clients understand the process.

He has been incredibly helpful, thoughtful, and responsive, with excellent communication from start to finish. His YouTube content on VA lending guidelines and the loan process is also a great resource for buyers who want to learn and feel more prepared.

Carlos is an invaluable asset to me and to my VA clients. His heart is in the right place, and I’m always comfortable recommending him to anyone looking for guidance with a VA home loan.
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christopher brantley 3 months ago

Carlos and his team at Edge were fantastic to work with. Being a veteran and having someone who specializes in VA loans made the process seamless. I will definitely use them again in the future if I ever decide to purchase another home. Thank you Carlos and Pam.
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Anthony Stevens 3 months ago

To say that I've been searching for someone to help me do a 100% cash out VA loan for 3 years may seem like a stretch to some people. But it's true. Sometimes not giving up is worth the wait. To my Veteran brothers and sisters, and to my IAFF brothers and sisters, Carlos and his team are the real deal. If there is a way to help you they will find it. I can't thank them enough.
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Michael Dise 3 months ago

Carlos is the best of the best especially for a first time home buyer I’d recommend him and his team to anyone and everyone the whole entire process was so quick and any questions or concerns were addressed immediately in my opinion he’s probably one of the best in the business maybe even the country you will not be disappointed.
Thanks for everything
Carlos
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Kathryn Ickes 7 months ago

Carlos was awesome to work with, a great and seamless experience from start to finish. Highly recommend!
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Robert Rhem 1 year ago

If you are hesitant about pursuing a VA Home Loan please don't because Carlos and Pam can make your dreams come true. The level of service that they provide is unmatched. They were readily available no matter what time and day it was. If you have been denied for a VA loan please call Carlos so you can achieve your dreams of being a homeowner.
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J A 1 year ago

Huge thanks to Carlos Scarpero and his team at Edge Home Finance! Because of their quick work and professionalism, we now have our dream home. Carlos made the entire process smooth and stress-free. A special thank you to Ms. Pam, who was incredibly caring and always on top of everything. We’re so grateful for the amazing support and excellent service!
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Media, Podcast and Live Appearances

Amazon.com, VA Loans Made Easy 11/10/23

“VA Loans Made Easy” – Published 2023

Good Day Dayton- WKEF TV, ABC 22, 11/10/23

Crying In My Cheesecake Podcast 6/5/23

Redfin, Guest Blog Post 2/23/24

Mortgage Professional America

National Mortgage Professional

National Mortgage News

Realtor.com

Yahoo Finance

GOBankingRates

Loan Officer Life Podcast 4/2025

Broker to Broker Podcast 5/2025

UWM Live Megacast 5/2025

AIME Fuse 2026 Speaker 9/2026

AIME Fuse Breakout 9/2025

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