We shop the lenders. You get the right loan.
Buying, refinancing, or tapping your equity? Tell us your goal and T.R. McCarthy will compare your options across our wholesale lender network. Free, no obligation, plain English.
- 5.0 from 22 Google reviews
- Over two decades of mortgage experience
- NMLS 1730367
Rather talk it through? Call 888-488-5066 or book a FREE one-on-one consultation.
You're Not Applying. You're Just Looking.
Pick your goal below. No forms to sign, no credit pulled, just your options laid out plainly.
- Free, no obligation
- Won't affect your credit
- A real person, not a call center
- Your goal
- Your timing
- Your details
Let's talk about your goal.
Book your FREE one-on-one consultation with T.R., or call and we'll help right away.
Book My FREE One-on-One Consultation Or call 888-488-5066You're all set.
T.R.'s team will reach out soon to talk through your options. Want to skip the wait? Pick a time for your FREE one-on-one consultation now.
Book My FREE One-on-One Consultation Or call 888-488-5066, 9AM to 6PM, Monday to FridayA bank can offer you its loans. A broker can offer you the market.
When you walk into a bank, you get that bank's programs, that bank's rates, and that bank's rules. Sceptre Mortgage brokers and originates loans through a wide network of wholesale lenders, so we compare them for you and bring you the best fit for your situation.
Same paperwork. More options. One person in your corner.
What are you looking to do?
Pick your goal and the form at the top of the page opens on it. Three quick questions and T.R.'s team takes it from there.
Buy your first home
CalHFA, down payment assistance, FHA, and low-down-payment conventional options, compared side by side.
Use your VA benefit
VA purchase and refinance options for veterans, service members, and eligible surviving spouses.
Refinance
Looking to lower your payment or change your term? We'll show you whether a refinance actually makes sense.
Tap your equity
HELOC or cash-out refinance for renovations, an ADU, or paying down higher-interest debt.
Options for 62+
Reverse mortgage and equity strategies for homeowners 62 and older, explained in plain English.
Invest in property
DSCR and non-QM loans that qualify primarily on the property's rental income, built for growing a portfolio.
What working with us actually looks like
An underwriter's eye on your file
T.R. spent years as a mortgage underwriter before becoming a broker. He spots the issues that stall loans before a lender ever sees them.
Fast when it counts
Organized files and constant follow-up keep your loan moving toward an on-time closing. One client closed in just 10 days.
You'll talk to T.R., not a call center
Over two decades of mortgage experience, and a direct line to the person actually working your loan.
Plain English, every step
You'll always know where your loan stands and what happens next. No jargon, no surprises at the closing table.
A broker who treats your home as
"Your Legacy," not a transaction.
Sceptre Mortgage was founded on a simple principle: every Californian deserves the ability to achieve their dream of home ownership. From the first conversation to closing day, you work directly with a dedicated professional who understands the local market and your personal goals.
Meet T.R. McCarthyThink you won't qualify? Let's check first.
Most first-time buyers assume they need a huge down payment and perfect credit. Many don't. Down payment assistance, CalHFA programs, and FHA loans exist for exactly this situation.
Self-employed, rebuilding credit, or not much saved yet? Those are the files a broker is built for, because different lenders have different rules. Finding the one that fits is our job.
No pressure. No surprises. Just keys.
5.0 22 Google reviews Every one of them 5 stars“…he was able to get my loan closed in just 10 days!”
T.R. was an outstanding experience from start to finish. He made what could have been a stressful process feel smooth and easy. His communication was excellent, he answered every question quickly, and kept me informed every step of the way. The most impressive part was that he was able to get my loan closed in just 10 days! His professionalism, knowledge, and dedication truly exceeded my expectations. I highly recommend him to anyone looking for a loan officer who is honest, efficient, and committed to getting the job done. Thank you for helping make my dream of homeownership a reality!
“He treated me like family.”
I can’t say enough good things about my experience with Sceptre Mortgage and TR McCarthy, The Loan Guy. From the very beginning, TR and his team were committed to helping me secure the home I truly wanted. They worked tirelessly, navigating every challenge answering every question, and making sure I felt supported every step of the way. TR‘s expertise and dedication were evident throughout the process. He didn’t just treat me like another client. He treated me like family. His team was responsive, knowledgeable, and genuinely invested in my success. whether it was late night paperwork or last minute clarification they showed up with professionalism and heart. Thanks to their hard work, I’m now in a home that fits my needs and dreams. If you’re looking for a mortgage team that goes above and beyond, I wholeheartedly recommend Sceptre Mortgage and TR McCarthy. They made the impossible feel possible and so grateful and blessed!
“The entire experience was phenomenal.”
On behalf of my Veteran Client, the entire experience was phenomenal with Sceptre Mortgage company. "TR" was amazing, from beginning to the end. Professionalism was demonstrated, patience, knowledge, and genuine cared. We would highly recommend Sceptre M., because they truly understand the importance of customer service and follow-through all the way around. Thanks for making the experience such a positive one. We will be referring this company!!!
“Our friends and family couldn't believe how fast…”
My husband and I got approved and are closing this week. From the start of the process until now was quick and T.R., Our friends and family couldn't believe how fast we're able to move so soon. We will use Sceptre Mortgage again for our refi next year.
Reviews shown exactly as posted on Google. Each review reflects one client's experience; timelines and results vary by loan program, property, and borrower.
Find out where you stand in one conversation.
Tell us your goal in about 60 seconds, or book your FREE one-on-one consultation with T.R. No pressure, no obligation, and it won't affect your credit.
Or call 888-488-5066, 9AM to 6PM, Monday to Friday.
Your legacy starts with the right loan. Rule Your Domain.