T.R. McCarthy

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
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⚖️ DISCLAIMER
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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 ...

02/10/2026

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 by Sceptre Mortgage 02-16-2026 at 7pm. Register at https://webinars.sceptremortgage.com
Hosted by T.R. McCarthy, aka TR the Loan Guy, Managing Member & Mortgage Broker for Sceptre Mortgage, and Dr. Sharon barnes, Realtor for Coldwell Banker Realty and Founder of ADU-Advantage.
📌 What You’ll Learn in This Webinar:
✔ How to get pre-approved for a mortgage
What lenders look for
How to qualify faster
Common mistakes first-time buyers make
✔ Understanding California Down Payment Assistance
CalHFA
County & city DPA programs
Grants and forgivable loans
✔ Understanding the Realtor Buyer Broker Agreement
What it is
Why it's required
How it protects you
✔ FHA, Conventional, VA & Self-Employment Loan Programs
Minimum credit scores
Income requirements
Loan limits for Riverside County
✔ Live Q&A with TR the Loan Guy & Dr. Sharon Barnes
Ask your real-estate and mortgage questions live!
🎯 Who Should Attend?
First-time homebuyers in California
Riverside County renters ready to buy
Self-employed buyers
Anyone confused about DPA, pre-approval, or loan options
👥 Presented By
Sceptre Mortgage – First-Time Buyer Specialists
T.R. McCarthy (TR the Loan Guy) – Mortgage Broker, Sceptre Mortgage
Dr. Sharon Barnes– Realtor & Founder of ADU Advantage

01/28/2026

I just helped Ms. Chapman close on a cash out loan on her Duplex. She used the money for repairs and to purchase a new investment property. Let me help you purchase your new property.

In this real client testimonial, Kelly Chapman shares her personal experience completing a Cash-Out Refinance with T.R. McCarthy, aka TR the Loan Guy, Mortga...

01/23/2026

Mortgage Broker vs a Bank! Stop wasting thousands.

Looking for mortgage advice in California?Sceptre Mortgage, led by T.R. McCarthy aka TRtheLoanGuy, helps California homebuyers and homeowners understand mort...

01/13/2026

https://youtu.be/tlL___SpOnE?si=UaI3XgsZxwBqY-yz

Are you a California first-time homebuyer in 2026? One of the biggest mistakes buyers still make is confusing pre-qualification with pre-approval—and it can ...

01/12/2026

https://youtu.be/uLZOSVKOTCo

Looking for mortgage advice in California?Sceptre Mortgage, led by T.R. McCarthy aka TRtheLoanGuy, helps California homebuyers and homeowners understand mort...

11/15/2025

https://webinars.sceptremortgage.com

Free live webinar for California first-time homebuyers! Learn to avoid costly mistakes & use Buyer Protection Strategies to save thousands.

11/15/2025

f you are looking to purchase a home in California, and tired of playing the guessing game. If you finally want to know what you can qualify for, either sign up for this free webinar, or book a FREE One-on-One with me at the following link: