Meet Scott Carlin — Your VA Loan Specialist
20-year Air Force veteran and VA loan specialist helping veterans, active-duty service members, and military families achieve homeownership in Florida and Texas.
A 20-Year Air Force Veteran Helping Fellow Veterans Achieve Homeownership
Scott Carlin is the founder of TrueVet Mortgage and a mortgage loan originator (NMLS# 2613509) licensed in Florida and Texas through Xpert Home Lending, Inc. (NMLS# 2179191). Based in Palm Bay, Florida, on the Space Coast, Scott specializes in VA home loans for veterans, active-duty service members, and military families throughout Florida and Texas. After serving 20 years in the United States Air Force, Scott transitioned his engineering background and military discipline into the mortgage industry with one mission: to help fellow veterans and military families navigate the VA home loan process with a trusted advisor who speaks their language.
Scott's two decades of Air Force service give him a firsthand understanding of military life — from PCS moves and deployments to the unique financial challenges service members face. That experience is what sets TrueVet Mortgage apart from large corporate lenders and call centers.
Why Veterans Choose Scott
Veteran-to-Veteran Service. Scott understands VA loan entitlements, the Certificate of Eligibility process, and how military income (BAH, BAS, disability) factors into loan qualification — because he's lived it.
Direct, Personal Communication. No call centers, no getting passed around. Scott is your single point of contact from application through closing. Clients regularly close in as few as 21-30 days.
Deep VA Loan Expertise. TrueVet Mortgage specializes in VA purchase loans with zero down payment, VA IRRRL streamline refinancing, VA cash-out refinancing, and jumbo VA loans up to $4 million. Scott also handles conventional, FHA, and jumbo loans for non-military borrowers.
Local Space Coast Knowledge. As a Palm Bay resident, Scott knows the Brevard County real estate market — from Melbourne and Satellite Beach to Titusville and Cocoa Beach — and works closely with local real estate agents and title companies.
Areas Served & Loan Programs
TrueVet Mortgage serves veterans, active-duty service members, and all homebuyers across Florida and Texas — including Palm Bay, Melbourne, Brevard County, the Space Coast, Orlando, Jacksonville, Tampa, Houston, San Antonio, Dallas, and Austin. We also serve military families near Patrick Space Force Base, Cape Canaveral Space Force Station, NAS Jacksonville, MacDill AFB, Joint Base San Antonio, and Fort Hood.
Scott and the TrueVet Mortgage team offer VA purchase loans with zero down payment, VA IRRRL streamline refinancing, VA cash-out refinancing, and VA jumbo loans up to $4 million. We also provide conventional loans, FHA loans with as low as 3.5% down, jumbo loans up to $5 million, and financing for first-time homebuyers and investors.
TrueVet Mortgage is a veteran-owned and operated mortgage company headquartered in Palm Bay, Florida. Operating as a DBA of Xpert Home Lending, Inc., we combine the personalized service of a local lender with access to competitive wholesale rates from multiple lending partners — better rates, faster closings, and a mortgage experience built on military values.
What Our Clients Say
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.
Visit our VA Loan FAQ for answers to common questions about the VA loan process.
Ready to Explore Your Options? Talk to Scott Today.
Schedule a free consultation — no obligation, no credit pull, just straight answers about your VA loan options.
