William Scott Hill

Sr. Loan Originator

NMLS# 300544 LO012240.001

William Scott Hill Sr. Loan Originator

Blog

How to Choose the Right Retirement Location in 2026

How to Choose the Right Retirement Location in 2026

Choosing a retirement location is not only about weather, family, or hobbies. The housing decision can affect monthly cash flow, taxes, insurance, maintenance, accessibility, and long-term comfort. For many Ohio homeowners, the right move is the one that

Mar 26, 2026 | Purchasing a Home

How to Protect Yourself from Common Mortgage Scams

How to Protect Yourself from Common Mortgage Scams

Mortgage scams often work because buying or refinancing a home is stressful. Borrowers are sharing documents, watching deadlines, and trying to understand unfamiliar terms. A scammer may pretend to be a lender, title company, servicer, government agency,

Mar 24, 2026 | Purchasing a Home

What should I do if I owe more than my home is worth?

What should I do if I owe more than my home is worth?

Owing more than your home is worth can feel discouraging, but the right next step depends on your goal. Some homeowners want a lower payment. Others need to move, handle hardship, or decide whether staying in the home still makes sense.\nWestern Ohio Mor

Mar 19, 2026 | Purchasing a Home

Buy a Home using the House Hacking Strategy

Buy a Home using the House Hacking Strategy

House hacking usually means buying a property, living in part of it, and renting out another part to help offset the payment. That might mean a duplex, a home with a rentable unit, or a room-rental strategy. It can be useful, but the mortgage details mat

Mar 17, 2026 | Purchasing a Home

VA Loan Credit Score Requirements

VA Loan Credit Score Requirements

VA loans continue to be one of the most valuable home financing options available to eligible veterans, active-duty service members, and certain surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans are designed to make homeown

Mar 12, 2026 | VA Loans

What Credit Score Do You Need to Buy a House in 2026?

What Credit Score Do You Need to Buy a House in 2026?

Your credit score plays a major role in qualifying for a mortgage in 2026. While loan guidelines have remained relatively consistent, underwriting has become more flexible in how lenders evaluate overall risk. That means your score matters—but it&r

Mar 10, 2026 | Credit