Chuck Scoma
Chuck Scoma / VP & Loan Agent
CalBRE #01156429    NMLS #270808
Phone: 925.627.7151
Cell: 925.915.0321
Fax: 866.654.7879

Having been in the real estate lending industry for 22 years, Chuck Scoma brings great experience and a wealth of knowledge to his clients. His focus is on identifying his clients’ needs and ensuring that their needs and goals are met with the right home financing - this carries on well past the initial transaction, as Chuck’s clients continue to rely on him to counsel them on their long term financial needs as well.

As a Vice President with a large mortgage company, Chuck learned the importance of being thorough and up front with his clients, as well as with his sales force. His level of professionalism earned him numerous awards and a coveted spot in Presidents and Platinum clubs annually.

Prior to entering the mortgage field, Chuck held sales and district manager positions with large and diverse companies. He has extensive knowledge of both the banking and retail side of the industry and prides himself in keeping up with new products available. He understands the continuing need for progressive technology and how that can help better serve both clients and their Real Estate Partners. Chuck has excellent relationships with industry professionals which allows him to keep abreast of current market trends and enables him to provide the relevant information to his clients so that they can make informed decisions.




Loan Programs

To help you find the right type of home loan to meet your specific needs, RPM Mortgage offers multiple mortgage programs. This variety of residential mortgage lending solutions puts you in control of your future and enables our knowledgeable, trusted staff to help create a personalized mortgage solution to make your real estate goals a reality.

Our loan programs include, but not limited to: Jumbo loans to $3 million, Agency Conforming, Agency High Balance, FHA Conforming, FHA High Balance, FHA Energy Efficient Mortgages (EEM), VA, VA Interest Rate Reduction Refinancing Loan (IRRL), USDA, Lender Paid Mortgage Insurance (MI) Option, Split, Single and Financed Mortgage Insurance (MI), Concurrent 1st and 2nd, Max Financed Properties (up to 10), Delayed Financing, Fannie Direct Lender, Fannie Mae Service Retained, Freddie Mac Investor Options, DU Refi Plus, HomePath, FHA Flips

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Home Purchase

Real estate moves fast. To secure the home of your dreams, you need customized home mortgage options and community-centered service. RPM Mortgage has a reputation of trust and results as well as supporting technology and tools to ensure your transaction is as streamlined as possible.
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Refinance

Finding the right lender for your refinance is an important decision. RPM Mortgage's wide range of products are all handled by our knowledgeable in-house mortgage lending staff. Thanks to the RPM lending platform and proximity to our top-tier staff, we deliver faster deals, more customized lending options and reliable service to you right here in the community we both know and love.

Whether you're looking for security, strength or a sterling reputation, RPM is your powerful ally in today's confusing home mortgage refinancing market.

• Expert community-based service
• Exclusive in-house mortgage banking service
• Established position and hard-won reputation for integrity
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Calculators

  • Mortgage Calculators

    Mortgage Loan
    Use this calculator to determine your monthly payment and amortization schedule.
    Mortgage Points Calculator
    Should you buy points? Use this calculator to find out.
    15 vs 30 Year Mortgage
    Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
    Adjustable Rate Mortgages
    This calculator helps you to determine what your adjustable mortgage payments will be.
    Mortgage APR
    Use this calculator to find the APR on your mortgage.
    Mortgage Tax Savings
    Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes.
    Balloon Mortgages
    A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
    ARM vs Fixed Rate
    Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
    Interest Only Mortgage
    Use this calculator to generate an amortization schedule for an interest only mortgage.
    Option ARM vs. Fixed Rate Mortgage
    Use this calculator to find out how much money you could save with an Option ARM loan.
  • Budget Calculators

    Rent vs. Buy
    Are you better off buying your home, or should you continue to rent?
    Mortgage Qualifier
    Can you buy your dream home? Find out just how much you can afford!
    Required Income
    Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
    Maximum Mortgage
    Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
    Mortgage Payoff
    Save thousands of dollars in interest by increasing your monthly mortgage payment.
    Bi-weekly Payment Calculator
    Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
  • Refinance Calculators

    Refinance Interest Savings
    Use this calculator to see how much interest you can save by refinancing your mortgage!
    Refinance Breakeven
    Should you refinance your mortgage? Use this calculator to determine when you will breakeven!

Find A Home

RPM Mortgage wants you to have access to the most updated listings in the area of your choice. Through a trusted partnership with Homes.com we have brought these updated listings to you. Happy house hunting!



Referral Partners

You've worked hard to earn your credibility, success and community roots. You stake your reputation on every referral you make. As an RPM Mortgage referral partner, you will discover new opportunities to provide your customers with a more personalized option in residential mortgage lending. They will see faster, smoother and more effective transactions. Your reputation and business thrive on connections, referrals, and partnerships. Join RPM's network today and grow that reputation and business into a well-known, credible source.

RPM Mortgage has grown its reputation by attracting and rewarding the best talent in the communities we serve. Since 1986, RPM has built upon the pillars of trust, knowledge, and community focus, bringing these principles to our colleagues and customers through a tradition of "can do, will do" service. It is this that makes us the independently owned and operated mortgage banking operation and broker of choice from our Alamo, California home office to any of the over 70 markets we serve. Our established position and hard-won reputation for integrity combined with ingenuity have made us the real estate finance partner known for our supportive, collaborative partnerships.

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