You have a lot of choices when you decide on your VA mortgage person to work with. The reason you should consider me is because of my many years of experience with many different types of mortgage situations. I’ve been in the mortgage industry in various capacities since 1997.

I’ve specialized in VA loans since 2019. In the past 4 years I’ve worked with many types of VA buyers and it is now the majority of my business. Since I am so close to Wright Patt, Air Force personnel are the majority of what I do. But, of course, I always welcome the opportunity to work with all active duty and veteran personnel.

I’m especially proud of the fact that with my close to 50 Google reviews I still have a perfect 5 star rating. Its not always easy but it’s well worth it.

I’m also passionate about VA education and I lead educational seminars throughout Southwest Ohio.

I have a YouTube channel that you can watch here:
https://www.youtube.com/@HomeLoansByCarlosScarpero

You can watch the following video on YouTube to learn a bit more about me.

VVA4s are the professionals have earned this rank with time in service as well as exceeding minimum performance standards of VVA3. They have served a minimum of six months as a VVA3, met all performance metrics, and continued to submit their accountability tracking on time regularly. They will answer every question perfectly in accordance with the VA Lender Handbook guidelines, VA resources and, not just one lender's overlays. During these 6 months we are testing their hearts and minds. They will be the embodiment of our institutional core values of honor, courage, and commitment. We want to see the best showing up in VVA4; we want to see how they engage you, respond to your direct questions, and respond to questions that could benefit them but they will never take an individual position to gain through solicitation. We aim to achieve the change we want to find for you and protect you as a Veteran and Active Service Member. Changing the hearts and minds of those helping you is the only authentic way to make a difference. No regulation or rules will help because people are still the same in trying to find easy ways around rules. VVA4 are there to serve you because you serve our Country.

At VVA4 the professional will be eligible to serve as a Squad Leader. This challenge is to begin training peer to peer leadership in a unique way. These peers are not employees, they are not subordinates, they are unique peers that choose to follow and whose leadership must be earned. The minimum time spent in VVA4 will be approximately 1 year.