Kelly Swanson - Loan Officer

Kelly Swanson - Loan Officer NMLS # 2156781

**Lessons from the Car Rider Line 🚗**Our car rider line is incredibly long.And most mornings, I'll admit, it feels like ...
08/28/2026

**Lessons from the Car Rider Line 🚗**

Our car rider line is incredibly long.

And most mornings, I'll admit, it feels like wasted time. Time to check email. Scroll through my phone. See what's happening in the world.

But this morning, instead of picking up my phone, I asked our daughter a question:

**“Would you rather be able to fly or be invisible?”**

She chose invisible.

I chose flying.

So naturally, my next question was, “What would you do if you were invisible?”

She smiled.

**“I'd pick people up.”**

😳😂

We both started laughing.

Then she got very serious and said, “I've actually thought about this before. There are LOTS of things I'd do if I were invisible. But I think picking people up would be the most fun.”

Now we're laughing even harder.

Eventually, we made it to the front of the line. She got out of the car still laughing and smiling.

The teacher opening the car door saw her laughing and started smiling. Another student came over and started smiling.

And just like that, what I had considered **wasted time** became one of my favorite parts of the morning.

It reminded me that not every meaningful moment has to be planned.

Sometimes we just have to put the phone down long enough to notice the opportunity.

So here's a challenge for your next car rider line, long drive, or five minutes waiting in a parking lot:

Put down the phone and ask:

**“Would you rather be able to fly or be invisible AND what would you do with it?”**

You might be surprised by the answer.

And you might discover the time wasn't wasted after all.

08/24/2026

Steve found an online lender who says he can afford WAY more house than I told him. 🤔

Great news, Steve!

Just one question…

Did you tell them about the jet ski? 🚤
No.

The trailer for the jet ski?
Also no.

The truck payment for the truck that pulls the trailer that carries the jet ski? 🛻

…Steve. 😂

Online calculators only know what you tell them. Your loan officer knows to ask about the whole financial picture.

Turns out the jet ski does come with a mortgage payment. It’s just hiding. 😂

☎️ The Mortgage Hotline — where we ask the questions the calculator forgot.

The people in the know about AI are saying the masses are over AI generated content - so … here we go! (Please note the ...
08/17/2026

The people in the know about AI are saying the masses are over AI generated content - so … here we go!

(Please note the good hair day)

08/10/2026

My answer? Immediately. Ideally, within the first week.

Here’s why:

✅ It impacts your debt-to-income ratio. If the insurance premium is higher than expected, we have time to adjust before closing.

✅ It impacts your cash to close. A higher premium can increase the amount you’ll need to bring to closing, so it’s better to know early.

✅ You may save money. Many insurance companies offer an early quote discount. Simply shopping for your policy soon after going under contract could qualify you for additional savings.

Don’t wait until the week of closing to start calling insurance companies. A little planning early in the process can save you both stress and money.

08/07/2026

Mortgage hotline, this is Kelly

08/05/2026

One of the most common questions I get is, “When should I withdraw money from my 401(k) for closing?”

My advice? Don’t wait until the last minute.

After you’ve spoken with your loan officer, your loan has been disclosed, and your interest rate is locked, it’s usually a good time to begin the withdrawal process.

Many 401(k) withdrawals or loans can take several business days—or even a couple of weeks—to process. If you wait too long, your funds may not arrive in time for closing, which could delay your closing date.

Every situation is a little different, so before requesting a withdrawal, talk with your loan officer. Together, you can choose the right timing and help keep your closing on schedule.

07/31/2026

Just when you think you’ve seen everything in real estate…

The REALTOR® calls and says she’s running a little late because she’s drying off.

Why?

Because the seller’s little boy accidentally tossed the house keys into the fountain at the title company… and someone had to go in after them! 🌊🔑

Talk about going above and beyond to get a deal to the closing table!

The good news? The keys were rescued, the closing survived, and everyone has a story they’ll be telling for years.

07/22/2026

How is sellers credit applied.

07/21/2026

No flowing money until we close!

Address

Lexington, KY

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