T.R. McCarthy
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Making the Mortgage process simple.
California Mortgage Broker NMLS: 1200420, Author, Writer, Motivational Speaker
Sceptre Mortgage
@TRtheLoanGuy is Building lasting relationships with Clients and Realtor partners, by answering the questions you have.
🛑 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
Is 2026 the Right Time to Buy a Home in California? (Watch This First) 🏡 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
How to Buy a Home in California (Step-by-Step Guide for 2026) 🏡 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
Inland Empire ADU Campus Grand Opening! | The Future of Affordable Housing in California 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
Riverside County First-Time Homebuyers — Watch This #shorts 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 ...
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.
Real Client Testimonial: How I Used a Cash-Out Refinance in California #cashoutrefinance 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.
California Mortgage Broker vs Bank – What’s the Difference? #ScetpreMortgage 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
Pre-Approved vs Pre-Qualified in 2026 | The Mortgage Mistake California Buyers Can’t Afford 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
Who Is Sceptre Mortgage? | California Mortgage Broker Explained 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
California First-Time Homebuyers Webinar Free live webinar for California first-time homebuyers! Learn to avoid costly mistakes & use Buyer Protection Strategies to save thousands.
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:
Click here to claim your Sponsored Listing.
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Opening Hours
| Monday | 8am - 6pm |
| Wednesday | 8am - 6pm |
| Thursday | 8am - 6pm |
| Friday | 8am - 6pm |