My name is Carlos Scarpero and I'm on a mission to help you leverage your VA mortgage benefits. I love the VA mortgage program but was fed up seeing Veterans needlessly get turned down, or get pushed into more expensive mortgage products due to ignorance about VA mortgages. So, I went and got mentored by the nation's top experts on VA mortgage loans.
I have been trained by the Military Mortgage Bootcamp program, and certified by the Vetted VA program. Less than 1% of all loan officers have completed these programs. Unlike many of my competitors, I know the ins and outs of VA lending to insure you are treated fairly and close quickly with reasonable rates and fees and that makes all the difference.
I have been trained by the Military Mortgage Bootcamp program, and certified by the Vetted VA program. Less than 1% of all loan officers have completed these programs. Unlike many of my competitors, I know the ins and outs of VA lending to insure you are treated fairly and close quickly with reasonable rates and fees and that makes all the difference.
Services
I have an odd combination of marketing and real estate experience. Prior to working at Epoch Lending Corporation, I was the owner of an online marketing agency, Mr. Leads. I've done several types of mortgage loans, mostly debt consolidation and reverse mortgages. I also did mortgage closings as a freelance loan closer for 11 years and have seen just about every kind of situation you can think of.
We never thought owning our own home was within reach. No return calls or simply hearing 'not at this time' was all we got. All we wanted to know was what we needed to do to achieve this dream. Yes, we have less than perfect credit, but Carlos was able to make it happen when others could not. Carlos is great!
If at any time you have questions, please do not hesitate to call or text me at 937-572-3713. 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.
Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track. A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details.
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.
Reviews (6)
Tim Harris
Nov 15, 2021
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Thank you for a nice easy process with no surprises along the way. The outstanding bills that we wanted to get paid have all been paid and we are now in a much better financial situation. We were able to accomplish 100% of the goals that we set for this cash out refinance. This refinance went exactly the way we wanted it to.
Novellof
Oct 15, 2021
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Carlos worked with me to refinance my mortgage. He did an exceptional job. Carlos' expertise is outstanding. He took his responsibilities and obligations seriously. Carlos answered my emails and calls promptly. He had my best interest at heart. He was professional, knowledgeable and personable and I will definitely work with him again. I highly recommend Carlos.
Bruce Lockaby
Sep 30, 2021
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T. J. Landry
Sep 27, 2021
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Steven Crane
Sep 23, 2021
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As a REALTOR that works with Carlos, as well as being a customer of Carlos - I can 100% say without a doubt in my mind that he is THE BEST VA LOAN OFFICER that is out there! His customer service is fantastic and he will go to bat for you. Long story short, you need to use Carlos and his team. Thank you so much for your help Carlos! :)
Paul Claggett
Apr 05, 2021
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Carlos was recommended to me by a very close friend who is a Realtor, and his recommendation was spot-on. We did a VA loan, which has some unique aspects that many loan counselors and specialists don't have a very good handle on. Carlos was great. He was very patient with the many questions I had and was always available via both email and text. He even got me working with a credit troubleshooter who helped me improve my credit scores immensely so we could qualify for the best possible rate. He listened carefully to my goals and tailored a loan that met my needs perfectly. I would recommend Carlos
