NMLS #418707 · Nashua, NH

Every loan
deserves a
strategist,
not a script.

I've spent over a decade crafting mortgage strategies for Nashua-area families and investors—because the right financing isn't one-size-fits-all. It's engineered around your goals, your timeline, and the numbers that actually matter.

Schedule a Consultation Explore Services
10+
Years Experience
500+
Loans Closed
A+
Client Rating
Jason Sculos, mortgage strategist at Guaranteed Rate, Nashua NH
Available Now

Taking on new clients for Q3 2026. Let's discuss your next move.

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Professional office setting in Nashua, NH
Home foundation representing solid mortgage foundations
Keys being handed over symbolizing home closing
Strategic planning at a mortgage desk
About Jason

Mortgage expertise
without the
showroom polish.

I started in this industry because I was tired of watching people walk into loan officers who treated them like a spreadsheet row. After ten plus years on the floor—from rate locks to closings—I know what separates a good rate from a good decision.

Based here in Nashua, I work with first-time buyers navigating their first offer, move-up families comparing refinance options, and investors who need a lender who speaks their language. My office is two minutes from the Square—I'm your neighbor, not a call center.

NMLS #418707

Licensed in multiple states

Guaranteed Rate

Fortune 500 parent company

Nashua, NH

20 Trafalgar Square, Suite 413

(603) 718-3310

Direct line — I answer

Services

Not all loans are created
equal.

Whether you're buying your first home, refinancing to free up cash flow, or building a rental portfolio—I match the loan product to your situation, not the other way around.

First-Time Buyers

From pre-approval to closing table—I walk you through every decision. FHA, conventional, or USDA—we find the program that fits your budget and your future.

  • Pre-approval in 24 hours
  • Down payment assistance programs
  • First-time buyer credits & grants

Refinancing

Rate drop? Cash-out need? Switch from ARM to fixed? I run the numbers honestly—sometimes the best refinance is the one you don't do.

  • Rate & term refinances
  • Cash-out refinancing
  • ARM to fixed conversions

Investment Properties

Multi-units, turnkey rentals, or flip financing—I understand investment math and structure loans that work with your cash-on-cash targets.

  • 2–4 unit residential
  • DSCR & non-QM options
  • Portfolio scaling strategies

Jumbo & Non-QM

Conforming limits don't cover everything. I specialize in jumbo loans and non-qualified mortgage products for unique financial situations.

  • Jumbo conforming & non-conforming
  • Bank statement loans
  • Asset depletion programs

VA & Military Loans

You served—your financing shouldn't be an afterthought. VA loans with zero down, no MIP, and competitive rates. I know the process inside out.

  • Zero down payment
  • No mortgage insurance
  • VA IRRRL refinances

Construction & Reno

New build, major renovation, or fixer-upper—construction-to-permanent loans let you finance the project and the mortgage in one close.

  • One-time close construction
  • FHA 203(k) renovation
  • Renovation & improvement
The Process

From pre-approval to
closing day—clear, calm, coordinated.

01

Consultation

We talk through your goals, timeline, and financial picture. No pressure—just clarity on what's actually possible.

02

Pre-Approval

Within 24 hours you'll have a solid pre-approval letter—so your offers carry weight in any market.

03

Underwriting

I stay ahead of the file—communicating with underwriters so you're never left wondering about status.

04

Closing

Clear disclosure, no surprises. You'll know exactly what you're signing before you sit down.

Client Voices

Don't take my word for it.
Take theirs.

"Jason didn't just get us a rate—he got us a strategy. We refinanced our ARM to a 15-year fixed and cut our payment while paying off the loan five years sooner. He showed us the math before we even asked."

Client portrait
Michael & Sarah T.
Refinanced · Nashua, NH

"As a first-time buyer, I was drowning in options. Jason cut through the noise, explained every program in plain English, and got me into a condo in Manchester before I even finished my graduate degree. Couldn't have done it without him."

Client portrait
Jennifer R.
First-Time Buyer · Manchester, NH

"I've worked with three different loan officers over the years. Jason is the only one who actually called me back the same day. His responsiveness—and honesty about what I could afford—made this the smoothest financial transaction I've ever done."

Client portrait
David L.
Investment Property · Hudson, NH

Ready to stop wondering
and start knowing?

A 15-minute conversation is all it takes to understand your options. No obligation, no pressure—just clear answers from someone who's done this for over a decade.

Schedule Your Call (603) 718-3310
Contact

Let's talk about
your next move.

Whether you have a specific question or just want to explore your options, I'm here. Reach out by phone, email, or stop by the office—your call, your pace.

Office

20 Trafalgar Square
Suite 413, Offices 12/13 & 14
Nashua, NH 03063

Office Hours

Monday – Friday: 9:00 AM – 6:00 PM
Saturday: By appointment
Sunday: Closed

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I'll get back to you within one business day.

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