Carlos Scarpero- Dayton and Cincinnati Ohio Mortgage Broker

Mortgage Broker In Ohio

Carlos Scarpero, Ohio Mortgage Broker
Carlos Scarpero, Ohio Mortgage Broker

Are you looking for a mortgage broker in Ohio?

I can help!

My name is Carlos Scarpero and I am a full service mortgage broker based in Dayton who serves the entire state of Ohio.

As a full service mortgage broker affiliated with Edge Home Finance, I have access to 110 different lenders. 

This means that I will most likely have a mortgage program that works for your needs.

Here are a few of the top programs that I offer.

Studies have shown that borrowers who use a mortgage broker save over $9000 vs using a direct mortgage lender. 

We shop the market and pass the savings along to you.

Take the 30 second mortgage quiz to see if you qualify

Mortgage Types In Ohio

Here are the mortgage programs that we are licensed to broker in Ohio.

VA Mortgage Loans In Ohio

VA home loans are the top program that I offer in Ohio. 

The VA program is a great way for veterans to buy a home with no money down.

I have VA mortgages for both purchase and refinance. I have the cash out and the IRRRL streamline refinance. 

I also have the VA renovation and the One Time Close VA construction programs.

Bad credit is ok and we can do manual underwriting on VA.

Click here for more info about how to get a VA mortgage in Ohio.

FHA Mortgage Loans In Ohio

Are you a bit credit challenged?

A FHA loan could be exactly what you are looking for. FHA loans are a bit ore lenient with credit and have low down payment requirements.

I have regular FHA loans, the FHA 203k renovation program and also the reverse mortgage program.

Click here for more info about FHA mortgage loans in Ohio.

Conventional Mortgage Loans In Ohio

Are you looking to get the best mortgage rates on a conventional mortgage in Ohio?

If you have good credit, I can find you an amazing deal on a conventional mortgage loan

Click here for more info about conventional mortgage loans in Ohio

USDA Mortgage Loans In Ohio

Are you looking to buy a rural property in Ohio with no money down? 

The USDA mortgage program might be exactly what you are looking for

Click here for more information about USDA mortgage loans in Ohio

Jumbo Mortgage Loans In Ohio

Is your mortgage over the Ohio allowed limits for conventional financing.

An Ohio jumbo mortgage may be the solution that you need.

Click here for more information about jumbo mortgage loans in Ohio


Non QM Mortgage Loans In Ohio

Do you need a mortgage that is outside of regular mortgage guidelines? 

If you have decent credit and some money to put down, then an Ohio Non QM mortgage might be exactly what you are looking for.

I have a full suite of Non QM mortgage programs including bank statement loans, DSCR, fix and flip, 1099 only, VOE only, asset qualifier, All in One, ITIN, Alt A, Stated Income and more

Click here for more info about Non QM mortgage loans in Ohio

Renovation Mortgage Loans In Ohio

Are you looking to roll in the renovation costs into the cost of the mortgage loan? 

A renovation program might be for you. I have access to all the renovation programs including, VA Renovation, 203k, Homestyle, Fix and Flip and more.

Click here for more info about renovation programs in Ohio

Take the 30 second mortgage quiz to see if you qualify

Frequently Asked Questions About Ohio Mortgage Brokers

Are you a part of any Ohio associations for mortgage brokers?

Yes, I am a member of Aime, which is the largest trade association for mortgage brokers. I am one of the officers of Aime’s Ohio Chapter and chair the committee for the Dayton region.

Do people really save money by using a mortgage broker?

Yes, studies have shown that on average borrowers save over $9000 by using a mortgage broker vs using a traditional lender.

Who pays the fees for a mortgage broker?

In most cases, the lender that we are brokering the loan to pays all of our brokerage fees out of their marketing budget. The lender saves money by using a mortgage broker as well since they don’t need to pay a marketing staff on brokered mortgages.

Where in Ohio are you licensed to lend?

I can provide mortgage brokerage services anywhere in Ohio including: Akron, Beavercreek, Bowling Green, Brunswick, Canton, Cincinnati, Cleveland, Cleveland Heights, Columbus, Cuyahoga Falls, Dayton, Delaware, Dublin, Elyria, Euclid, Fairfield, Findlay, Gahanna, Garfield Heights, Grove City, Hamilton, Hilliard, Huber Heights, Kent, Kettering, Lakewood, Lancaster, Lima, Lorain, Mansfield, Maple Heights, Marion, Mason, Massillon, Medina, Mentor, Middletown, Newark, North Olmsted, North Ridgeville, North Royalton, Parma, Reynoldsburg, Riverside, Sandusky, Shaker Heights, Springfield, Stow, Strongsville, Toledo, Trotwood, Upper Arlington, Warren, Westerville, Westlake, Willoughby, Wooster, Xenia, Youngstown, and Zanesville.

Additionally I provide mortgage brokerage services in all 88 Ohio counties including: Adams, Allen, Ashland, Ashtabula, Athens, Auglaize, Belmont, Brown, Butler, Carroll, Champaign, Clark, Clermont, Clinton, Columbiana, Coshocton, Crawford, Cuyahoga, Darke, Defiance, Delaware, Erie, Fairfield, Fayette, Franklin, Fulton, Gallia, Geauga, Greene, Guernsey, Hamilton, Hancock, Hardin, Harrison, Henry, Highland, Hocking, Holmes, Huron, Jackson, Jefferson, Knox, Lake, Lawrence, Licking, Logan, Lorain, Lucas, Madison, Mahoning, Marion, Medina, Meigs, Mercer, Miami, Monroe, Montgomery, Morgan, Morrow, Muskingum, Noble, Ottawa, Paulding, Perry, Pickaway, Pike, Portage, Preble, Putnam, Richland, Ross, Sandusky, Scioto, Seneca, Shelby, Stark, Summit, Trumbull, Tuscarawas, Union, Van Wert, Vinton, Warren, Washington, Wayne, Williams, Wood, and Wyandot

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