Scott Swinford is a mortgage loan originator in Indiana & Illinois. A firefighter/paramedic in his past professional life, Scott's goal is to be an advocate and an educator for his valued clients. He lives in Northwest Indiana with his wife, two sons, a Beagle, and a Belgian Malinois.
We are currently in a "sellers" real estate market, meaning that there are fewer homes for sale than buyers looking to purchase. This has driven home prices up as buyers are willing to pay more to move into their next home and sellers are finding themselves with multiple offers to choose … [Read more...]
I have a number of clients ask if I know of a way to help them quickly increase their credit scores. There are a few methods, some with a greater likelihood of success than others. While I don't do credit repair for my clients, there are some resources available to help guide them through the … [Read more...]
I cannot tell you how many times I have heard a potential client state that the scores we see when pulling a credit report for a mortgage loan are different than what they see when they go online to pull their own scores. Unfortunately, we often see scores that are lower than what my client sees … [Read more...]
How well do you really know the VA loan program? Whether you are a buyer, seller, or even a real estate agent, you have probably heard some of the myths about the VA loan program. Since this mortgage is one of the best loan programs available, I'll do my best to set the record straight. Find out … [Read more...]
Should I Put Down More Than The Required Down Payment? That's a great question! While having a large down payment will lower your monthly payments, many financial advisors advise against it if you have other debt, especially on credit cards. Here's why. Let's assume that you have $10,000 in … [Read more...]