T.R. McCarthy

06/26/2026

https://youtu.be/fhlzAISrzIw
Watch Client Bridget Butler Close her home purchase in 10 days and save money while doing it.

Closing on a home in just 10 business days isn't typical. See how C...

05/29/2026

See if you Qualify for a FREE Temporary 1-0 Rate Buydown. Offer Ends June 30th 2026.
Looking for mortgage advice in California?
Sceptre Mortgage, a California Mortgage Brokerage,
led by T.R. McCarthy aka TRtheLoanGuy, helps California
homebuyers and homeowners understand mortgage loans,
financing options, and the home buying process.
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📞 TALK TO T.R. McCARTHY
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📞 888-488-5066
🌐 www.SceptreMortgage.com
📺 /
NMLS: 1200420 | Sceptre Mortgage NMLS: 1730367
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⚖️ DISCLAIMER
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For informational purposes only. Not a commitment
to lend. Programs subject to change without notice.
The 1% temporary rate buydown is available at no
cost to qualified buyers through June 30, 2026.
Eligibility requirements apply.
Sceptre Mortgage NMLS: 1730367 | NMLS: 1200420

05/21/2026

https://youtu.be/B2XhlNawcso?si=zw0PXRAGPgWHLbcx

Every Realtor needs this information on ADU's in California. you have been doing it wrong. Now it's time to get you paid.

Are ADUs the biggest blind spot in real estate today? In this episode of Straight Talk, host TR McCarthy, Mortgage Broker and Managing Member of Sceptre Mort...

05/21/2026

I offer a special program that significantly reduces your mortgage payments for the entire first year. DM me to learn more!

05/13/2026

https://youtu.be/gKLDOG1RtUY

Looking for mortgage advice in California?Sceptre Mortgage, a California Mortgage Brokerage,led by T.R. McCarthy aka TRtheLoanGuy, helps Californiahomebuyers...

03/31/2026

🛑 Before you open Zillow, call a Realtor, or fall in love with a listing — you need to know 3 numbers first. T.R. McCarthy — TRtheLoanGuy, founder of Sceptre Mortgage — breaks down the 3 numbers every California homebuyer must know before they start shopping. ━━━━━━━━━━━━━━━━━━
🔢 THE 3 NUMBERS
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1️⃣ Credit Score — determines your loan program AND your interest rate. A 100-point difference can cost hundreds per month on a California mortgage.
2️⃣ Gross Monthly Income — your income BEFORE taxes. Lenders use this to calculate how much home you qualify for. Most buyers get this wrong.
3️⃣ Available Savings — down payment PLUS closing costs. California closing costs run 2–5% on top of your down payment. Know the full number.
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📞 KNOW YOUR NUMBERS — LET'S TALK
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Looking for mortgage advice in California? Sceptre Mortgage, led by T.R. McCarthy (TRtheLoanGuy), helps California homebuyers understand their options.
📞 888-488-5066
🌐 www.SceptreMortgage.com
📺 www.youtube.com/
NMLS: 1200420 | Sceptre Mortgage NMLS: 1730367
━━━━━━━━━━━━━━━━━━
⚖️ DISCLAIMER
━━━━━━━━━━━━━━━━━━
For informational purposes only. Not a commitment to lend. Programs subject to change without notice. Sceptre Mortgage NMLS: 1730367 | NMLS: 1200420
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03/24/2026

https://youtu.be/GX_Z4ugeqB4?si=JkOFBX9_oYZpyf2o

🏡 Thinking about buying a home in California in 2026 but notsure if the timing is right? You're not alone — and this videogives you the honest answer.T.R. M...

03/17/2026

https://youtu.be/xZw-MdJ6Src?si=LKEZB8kfTHOHfMaN

🏡 Buying a home in California and don't know where to start?This step-by-step guide covers everything you need to know —from getting pre-approved to picking...

03/13/2026

The future of housing innovation has officially arrived in the Inland Empire.

Looking for mortgage advice in California?

Sceptre Mortgage, led by T.R. McCarthy (TRtheLoanGuy), helps California homebuyers and homeowners understand mortgage loans, financing options, and the home buying process.

📞 Call Sceptre Mortgage: 888-488-5066
NMLS: 1730367

The future of housing innovation has officially arrived in the Inland Empire.On March 5, 2026, industry professionals, community leaders, and housing advocat...

02/10/2026

Buying Your First Home in California? Watch This Riverside County Webinar First

California First-Time Homebuyers — this FREE webinar is for you!Join us for a step-by-step guide to buying your first home in Southern California, presented ...