Tony Scarpero - Mortgage Advisor

10/29/2025

5.0 star review received on Experience.com for Tony Scarpero by Colleen Y W - Tony was an absolute pleasure to work with. He answered all of my questions and was present every step of the way.

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09/24/2025

5.0 star review received on Experience.com for Tony Scarpero by William G D - Tony's on top of his game. Every detail taken care of. Taking stress off of me. Thanks Tony!!!

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09/02/2025

He thought divorce meant he’d never own a home again.

He showed up to our Zoom call late, eyes heavy with uncertainty.

“Divorce changed everything,” he said. “Buying a home again feels impossible.”

I get it. Life throws curveballs. But sometimes those curveballs open doors you didn’t know existed.

He was worried the alimony he paid would ruin his chances. Another lender had already said no.

But here’s what most people don’t know:
Underwriting isn’t one-size-fits-all.

There’s a guideline that can treat alimony differently—one that can make a huge difference in qualifying for a mortgage.

We applied it. Thirty days later, he had a new home.
A backyard for his dogs. A place for his kids to visit.
A fresh start.

Here’s what this proves:
✅ One “no” doesn’t define your future
✅ Knowing the rules changes everything
✅ There’s always a solution if you look deep enough

If life has thrown you a curveball and you think buying a home isn’t possible—let’s talk. Your next chapter might be closer than you think.

08/27/2025

BACK TO SCHOOL VIBES… KIND OF!

Everyone’s posting their kids’ first-day pics, so here’s mine.

➡ First Day of: 45th Grade
➡ Age: 51
➡ My Hobby: Riding Bikes
➡ Future Goal: Be your mortgage guy when I grow up

Class might be in session for the kids, but I’m always learning new ways to make your home financing simple and stress-free.

Need a mortgage coach? I’ve got a lot of “extra credit” in this subject. 👨‍🏫

06/25/2025

HUGE NEWS!! While banks are retracting on new construction lending, we've just aligned with a capital partner to provide financing for Home Builders in a big way!

We're looking for builders who build anywhere from 5-100+ units a year (single family, townhome, or condo) that need help securing better funding for their projects.

Loan amounts from $500k minimum up to $22.5M, with a full project approval up to $100,000,000!

Max construction at 90% Loan to Cost basis!

Who do you know that's building that my team can help?

03/01/2025

What an exciting end of the month!!!

Super happy for this young couple that closed on their dream (move-UP) new construction home today! When they came to me they were concerned about getting qualified to the loan amount they needed, as a large national bank had just told them NO!

The challenge they were facing was that last year their income structure had changed dramatically. They had a reduction in base salary and bonus, but had a HUGE increase in commission income. Even though they were on track to now make MUCH more than before, most jumbo lenders will require to average 2 years of earnings. That was why this bank couldn't qualify them to a high enough loan amount.

My team got to work and we found a solution with a lender that would allow us to average the most recent one year of earnings instead. They made an aggressive offer on a new construction home that had been sitting for some time on market. They were able to get it under list price, plus $10k in seller contributions.....AND it appraised $25K over contract(instant equity)!

Contract to close, we knocked out the financing in 26 days!

Who do you know that is looking to work with a lender who thinks outside the box that we can help next??

02/04/2025

This deal took some serious to make it happen, but we got it done! Super excited to have gotten this one and FUNDED today!

The buyers of this new construction townhome in Keystone Resort's River Run village put this under contract over 2 years ago during pre-sales. What made this a little complicated was the fact that the buyers wanted to own this investment property in a multi-member LLC, AND they didn't want to prove all of their income to qualify. Oh, and they needed a lender who could do this and lend them almost $2,000,000!!

These characteristics are not completely uncommon to see in ski resort markets, so we had the loan product to fit their needs.

Who's the next investor you know looking to purchase in a resort market that my team can serve?

01/24/2025

5.0 star review received on Experience.com for Tony Scarpero by Michelle C - Tony was absolutely fabulous to work with! He was always calm, patient and ready to explain anything! His guidance was always followed with a clear explanation. We were new to Denver and Tony was critical in helping us understand Denver‘s market versus Pagosa Springs. I would highly recommend Toni to any individual looking to purchase their home. Thank you, thank you for helping our family!

Click to see all 159 reviews of Tony Scarpero, Branch Manager | NMLS # 892427

11/02/2024

5.0 star review received on Experience.com for Tony Scarpero by Daniella L - Tony was so knowledable, and explained everything so thoroughly. We had a really difficult time with home buying process and Tony and his team are they only ones that made things easy on us! We were so grateful for them

Click to see all 158 reviews of Tony Scarpero, Branch Manager | NMLS # 892427