Kelly Swanson Stories & Life

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Kelly Swanson Stories & Life Stories about mortgages, insurance, communication, hockey, softball & life. Sometimes funny. Sometimes helpful.

NMLS # 2156781 - Loan Officer
KY Property & Casualty Insurance License #811237

10/02/2026

šŸ’ WOULD YOU GIVE BACK $10,000?

Especially if the insurance company would never know?

Years ago, a woman lost a valuable ring. She searched everywhere - furniture moved, car searched, even a plumber checking the drain.

Nothing.

Eventually, she filed a homeowners insurance claim for mysterious disappearance and received $10,000.

Almost a YEAR later, she opened the cabinet where she kept her tax records…and there it was.

The ring had apparently slipped off her finger while she was putting away her tax folder the year before.

Here’s the part I’ve never forgotten:

She walked into the insurance agency with a check for $10,000 and gave the money back.

The claim had been legitimate. Nobody would have known she’d found the ring.

But she knew.

So here’s my question:

Would you have given the $10,000 back? šŸ‘‡

And there’s an insurance lesson hidden in this story, too. If you have valuable jewelry, make sure you understand exactly how your policy protects it - including whether mysterious disappearance is covered.

If you’re in Kentucky, Indiana or Ohio and want me to take a look at your insurance or give you a quote, reach out. I’d be happy to help.

09/25/2026

Evening walk with the sun setting and the moon rising. ļæ¼

09/25/2026

The Salesperson Promised to Pay WHAT?! šŸ šŸ˜³

I love getting mortgage questions, but I REALLY love getting one I’ve never heard before. šŸ˜‚

A buyer purchasing a manufactured home told me the salesperson ā€œpromisedā€ to pay their homeowners insurance for the first FOUR YEARS.

From a mortgage standpoint, that doesn’t make the insurance expense disappear. We still have to account for the homeowners insurance premium when qualifying you because ultimately, it’s still your home and your obligation.

But from the insurance side? I have SO many questions. šŸ¤”
You can certainly pay a premium on someone else’s behalf, but what will the premium be in Year 2? Year 3? Year 4? What if the policy changes?

What if that salesperson doesn’t even work there anymore?

I have no idea how this one is going to play out…but PLEASE circle back because now I’m invested. šŸ˜‚

I don’t mean to brag … but I remembered to charge my cordless keyboard today! There’s no stopping me today! 😁
09/23/2026

I don’t mean to brag … but I remembered to charge my cordless keyboard today!

There’s no stopping me today! 😁

Sometimes you just have to do it late, tired, in the dark, slow, after bedtime, with dishes in the kitchen. šŸ’™Maybe Nike ...
09/23/2026

Sometimes you just have to do it late, tired, in the dark, slow, after bedtime, with dishes in the kitchen. šŸ’™

Maybe Nike was right all along.

09/22/2026

**TITLE: The Secret Car Has Entered the Chat… Again šŸš—šŸ˜‚**

Someone watched my video about a spouse discovering a secret car loan at the closing table and asked:

ā€œIf I’m the only borrower, they’ll never know…right? LOL.ā€

Wellllll… technically, we need to clear something up first. šŸ˜‚

šŸ  **The mortgage and the deed are two different things.**

The **mortgage/loan** deals with who is borrowing the money.

The **deed** deals with ownership of the property.

So, depending on the transaction and applicable requirements, someone may have an ownership interest in the home without being a borrower on the loan.

And if you're the only borrower? You're generally the one whose liabilities we're qualifying for the loan.

So could your secret car potentially survive closing without your spouse discovering it from *your mortgage paperwork*?

Possibly. šŸ˜‚

Do I recommend financial secrets as part of your homebuying strategy?

**The Mortgage Hotline officially declines to comment.** ā˜ŽļøšŸ˜‚

09/22/2026

**ā€œPromise you won’t get madā€¦ā€** šŸšØšŸ›»

Steve bought a truck so he could move all his furniture into his new house.

There’s just one small problem…

**He bought it BEFORE we closed on the house.** 😳

Well, Steve…you might not need the truck anymore. šŸ˜‚

ā˜Žļø Mortgage Hotline Rule of the Day: **Before you open new credit or take on new debt, CALL YOUR LOAN OFFICER.**

09/21/2026

**🚨 MORTGAGE PSA: CLOSING DAY IS A TERRIBLE TIME TO REVEAL YOUR SECRET CAR. šŸš—šŸ˜‚**

Look, I’m a mortgage lender. I’m not a marriage counselor.

But I *am* here to tell you that if you purchased a vehicle your spouse doesn’t know about…

…and you’re keeping said vehicle at a location your spouse ALSO doesn’t know about…

You may want to have that conversation **before closing day.** 😬

Because there are documents at closing involving your financial obligations, and unexpected debts have a funny way of becoming part of the conversation.

Some things are better disclosed before everyone is sitting around the closing table with pens in their hands.

Consider this your friendly mortgage PSA:

**Tell your lender about the debt.
Tell your spouse about the car.
Preferably in that order. šŸ˜‚**

09/21/2026

**REALTORS: WHAT’S THE CRAZIEST THING YOU’VE DONE TO GET TO THE CLOSING TABLE? šŸ˜‚**

I’ve seen some things…

šŸ” A fence didn’t pass inspection? One Realtor grabbed some gloves and helped rip it out of the ground.

🐓 A family needed help relocating TWO miniature donkeys? Yep.
We called that one **Operation Move It Ass.** šŸ˜‚

šŸ›‹ļø Photographer could only come on one particular day? Another Realtor helped move an entire house full of furniture to make it happen.

None of those things were in the job description.

But sometimes getting people to the closing table requires a little creativity, a little muscle…and apparently some livestock experience.

**REALTORS — I know you’ve got stories.**

šŸ‘‡ What is the craziest, funniest, most ridiculous thing YOU have ever done to help get a client to closing?

I want to hear the story that starts with:
**ā€œYou’re not going to believe this, butā€¦ā€**

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Lexington, KY

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