Kelly Swanson - Loan Officer

06/05/2026

06/05/2026

One of the biggest surprises I hear from first-time homebuyers is how simple the process starts.

It doesn’t begin with house hunting. It doesn’t begin with an appraisal. It doesn’t even begin with paperwork.

It starts with a conversation. 📞

We’ll talk about your goals, your timeline, and your current situation. Then I’ll send you an application so we can take a deeper look at your income, employment history, assets, and credit profile.

From there, we’ll determine what loan programs may be available to you, establish a comfortable price range, and work toward a pre-approval so you can shop with confidence.

You don’t need to have all the answers before you call. That’s what I’m here for.

If you’re thinking about buying a home, send me a message. I’d love to help you take the first step.

06/04/2026

06/04/2026

Let’s bust a few mortgage myths that I hear all the time:

❌ Myth #1: You need 20% down to buy a house.
Not true. While some buyers choose to put more down, many are purchasing homes with 3% to 10% down, and some loan programs even allow 0% down.

❌ Myth #2: Shopping around for a mortgage will destroy your credit score.
Not true. Consumer protections allow you to shop multiple lenders within a 45-day window, and those mortgage inquiries are generally treated as a single inquiry for credit-scoring purposes.

❌ Myth #3: Your credit score has to be perfect.
Not true. We typically like to see a score of 620 or higher, but you do not need an 800 credit score to become a homeowner.

❌ Myth #4: You can’t buy a house because you have student loans.
Not true. Student loans are simply another debt that we consider in your debt-to-income ratio. Even if they’re in deferment, there are guidelines that allow us to calculate a qualifying payment.

The biggest mistake I see is people talking themselves out of homeownership before they ever speak with a lender.

If you’ve been wondering whether buying a home is possible, I’d love to help you find out.

06/03/2026

Watch this before shopping for a mortgage.

06/03/2026

Someone asked if it's okay to transfer money from their checking account to their savings account and then use those savings to buy a house next year.

Absolutely!

In fact, that's a very common way people save for a down payment and closing costs.

Here's a pro tip: If you're getting close to buying a home and you've saved enough money, try to stop moving funds in and out of that savings account about two months before you apply.

Why?

Because after the money has been sitting there for a couple of bank statement cycles, it's considered "seasoned." If the savings account contains all the funds needed for the transaction, we may only need those bank statements rather than tracing transfers back and forth between accounts.

Less paperwork. Fewer questions. A cleaner underwriting process.

If you're planning to buy a home in the next year, now is a great time to start thinking about how you'll save and document your funds.

06/02/2026

‼️Disclaimer - my manager said I needed to do this video‼️

Apparently, after explaining pre-approvals, underwriting, appraisals, inspections, earnest money, debt-to-income ratios, closing costs, and everything else mortgage-related… I’m supposed to tell you how to actually work with me. 🤷‍♂️

So here it goes…

Hi, I’m Kelly. I’m a mortgage lender, and I’m here to help you get to the closing table.

If you’re thinking about buying a home or considering a refinance, you can apply through the link in my bio, or send me the word HOME in a DM.

There. My manager will be proud. 😆

Now back to our regularly scheduled mortgage content.