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.
But don't take my word for it. Read my Google reviews to see how I have helped other Veterans obtain their VA mortgage loan. We work with over 30 different investors to get you a customized quote that makes the most sense for your situation. All with only one credit inquiry. You will find that our rates and closing costs are very competitive while getting you to the closing table much quicker than banks and online lenders can.
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.
But don't take my word for it. Read my Google reviews to see how I have helped other Veterans obtain their VA mortgage loan. We work with over 30 different investors to get you a customized quote that makes the most sense for your situation. All with only one credit inquiry. You will find that our rates and closing costs are very competitive while getting you to the closing table much quicker than banks and online lenders can.
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.
For the past 10 years, I've also been an active real estate investor, with a focus on tax certificate and tax foreclosed property.
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.
For the past 10 years, I've also been an active real estate investor, with a focus on tax certificate and tax foreclosed property.
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!
We closed on our house in less than 30 days.
He was always available, answered our questions in a timely manner, and overall helped us be fully prepared.
Carlos is very hard working and always looking out for our interest in the sometimes complicated process.
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!
We closed on our house in less than 30 days.
He was always available, answered our questions in a timely manner, and overall helped us be fully prepared.
Carlos is very hard working and always looking out for our interest in the sometimes complicated process.
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.
That being said, there are unscrupulous mortgage companies out there that manage to use credit inquires to trick you into applying with them.
This is a violation of the Do Not Call Act and should be reported immediately.
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.
That being said, there are unscrupulous mortgage companies out there that manage to use credit inquires to trick you into applying with them.
This is a violation of the Do Not Call Act and should be reported immediately.
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.
With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.
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.
With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.
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.
With FinLocker all of your financial info is in one place, making it easy to see everything at a glance.
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.
With FinLocker all of your financial info is in one place, making it easy to see everything at a glance.
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