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.

I’m On A Mission to Help You Get ALL The VA Mortgage Benefits That You Have Earned!

Are you thinking about getting a VA home loan?

My name is Carlos Scarpero, your local VA Mortgage expert and I’m on a mission to guide you through the home buying process.

While I mostly work with borrowers in and around Dayton and Cincinnati, I am licensed to lend in Ohio and Kentucky. My NMLS # is 1674385.

If you are local to the Dayton area and want to meet in person to discuss your mortgage needs, I’m more than happy to meet with you in my office or another place that’s convenient for you. I can also work by phone, email, Skype, etc. to make sure your VA home loan is handled smoothly.

Borrower Testimonials

Maj. Holzmann

Active Duty US Air Force, Enon, Ohio

Carlos did a great job closing our mortgage. He kept everything going on time and maintained open lines of communication throughout the process. Thanks, Carlos.

Video Testimonial from Rodney F. , US Army Veteran, Xenia, Ohio

Click here to view more testimonials

Sadly, the mortgage industry has a lot of loan officers that don’t know what the heck they are doing. Calling the wrong loan officer can cost you big money (or not getting the home at all).

Here are some tips to help your loan process go smoothly as you decide who to work with.

Work with someone fast

Time is money. In this competitive marketplace, you want to work with someone that has systems in place to close in a reasonable time frame. We close VA mortgage loans in 30 days or less in the vast majority of cases.

Work with a specialist

VA loans have special requirements that can be very different from other loan types. A generalist who works with a lot of different types of mortgages often does not have the experience level to accurately help with your VA mortgage needs. I have approved and closed many veteran families that were turned down needlessly by incompetent loan officers that didn’t know the guidelines.

Work with someone who has specialized training

Many loan officers don’t take the time and effort to go above and beyond to get specialized knowledge. I’m proud to have completed the Military Mortgage Bootcamp training program. Less than 1% of all loan officers have this certification!

Work with a company that has reasonable rates and fees

Sadly, many companies like to screw over our hard working veterans with the VA mortgage program. This is tragic! You will find that the rates and fees that my company can offer are very competitive.

Work with someone that knows how to get you all the discounts you have earned

From title to moving expenses to Realtor commissions, there are lots of discounts that you can get as a veteran. I can help you claim all of them!

Work with a trusted advisor and advocate

From property tax exemptions to getting a Certificate Of Eligibility corrected, I go above and beyond to help you get the loan closed quickly and will help you after closing with any other issues that may arise.

Work with someone local

Unfortunately, the online lenders are better at marketing than giving you the service you deserve. Their rates and fees aren’t very competitive either.

Here’s a You Tube video where I explain this in further detail.

Wondering How Much You Qualify For?

Take the 30 second mortgage quiz!