Scott Carlin, 20-year Air Force veteran, helps veterans and military families in Florida and Texas buy homes with VA loans. Fast closings in 21-30 days.
TrueVet Mortgage is a veteran-owned mortgage company in Palm Bay, Florida, founded by Scott Carlin, a mortgage loan originator (NMLS# 2613509). We specialize in VA home loans, FHA loans, conventional mortgages, and jumbo loans for veterans, active-duty service members, and all homebuyers across Florida and Texas. Licensed through Xpert Home Lending, Inc. (NMLS# 2179191).
As a military veteran, Scott Carlin understands PCS moves, BAH, VA disability income, and the unique financial challenges military families face. That firsthand experience is what sets TrueVet Mortgage apart from large corporate lenders and call centers. When you work with TrueVet, you work directly with Scott from pre-approval through closing.
Explore our diverse range of loan programs designed to meet your unique financial needs. Whether you're buying your first home or refinancing, we offer tailored solutions to help you achieve your goals with ease.
Conventional loans offer flexible terms for qualified homebuyers. Ideal for those with strong credit and stable income, they provide affordable financing options.
FHA loans offer low down payments and flexible credit requirements, making homeownership more accessible.
VA loans provide exclusive benefits for veterans, active-duty service members, and their families, including no down payment and no monthly mortgage insurance. Backed by the VA, these loans make homeownership more accessible and affordable.
Jumbo Loans provide high-value financing for luxury homes and properties exceeding conventional loan limits. Get flexible terms tailored to your needs.
In-house underwriting, processing and closing for fast approvals
FHA, VA, and USDA Approved Lender.
Outstanding customer service. Read our reviews!
We specialize in VA home loans, FHA, conventional, and jumbo loans across Florida and Texas. Whether you’re buying your first home, refinancing, or PCSing to a new duty station, Scott works with you directly from pre-approval through closing – no call centers, no runaround. Fast closings in 21-30 days.
Scott Carlin understands PCS moves, BAH, VA disability income, and the unique financial challenges military families face. That firsthand experience is what sets TrueVet Mortgage apart from large corporate lenders. You work directly with Scott from application to closing - one point of contact who speaks your language and gets the job done.
Looking to refinance using the VA IRRRL? Visit our VA IRRRL page for the requirements to use this amazing benefit.
Have questions? Visit our VA Loan FAQ for answers about eligibility, credit scores, down payments, and more.
Use our free 2026 BAH Calculator to see how your housing allowance can cover your VA loan payment.
We serve veterans at every major military base in Florida and Texas. Visit our Military Bases page to find VA loan information near your installation.
Testimonials
At TrueVet Mortgage, we take pride in helping homebuyers achieve their dreams with personalized mortgage solutions and exceptional service. Here’s what our happy clients have to say.
