William Scott Hill

Sr. Loan Originator

NMLS# 300544 LO012240.001

William Scott Hill Sr. Loan Originator

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A Guide to Buying VA Foreclosures

A Guide to Buying VA Foreclosures

Purchasing a home is one of the most significant financial milestones an individual can achieve. While the traditional real estate market can be competitive and costly, VA foreclosures offer an alternative pathway that is often overlooked. These propertie

Mar 05, 2026 | VA Loans

Mortgage Loans for Self-Employed Borrowers

Mortgage Loans for Self-Employed Borrowers

If you are self-employed, getting approved for a mortgage can feel more complex than it does for a salaried employee. Traditional loan programs often require steady W-2 income and consistent pay stubs. However, there are strong mortgage options available

Mar 03, 2026 | Purchasing a Home

3 Nontraditional Mortgage Options

3 Nontraditional Mortgage Options

Traditional mortgages follow a familiar structure: a fixed interest rate, consistent monthly payments, and gradual equity growth over time. For many borrowers, that predictability provides stability and peace of mind. Nontraditional mortgages take a diffe

Feb 26, 2026 | Purchasing a Home

Using a HELOC to Buy a Second Home

Using a HELOC to Buy a Second Home

Using a HELOC to help buy a second home can be tempting because it may turn existing home equity into down payment funds. But the strategy adds another payment and uses your current home as collateral, so it needs a careful review.\nWestern Ohio Mortgage

Feb 24, 2026 | Purchasing a Home

What Higher Mortgage Limits Mean for Homebuyers in 2026

What Higher Mortgage Limits Mean for Homebuyers in 2026

The financial landscape is shifting—and for homebuyers, that shift creates opportunity. Loan limits are more than regulatory figures. They determine how much you can borrow, whether you can stay within conforming loan guidelines, and how competitive

Feb 19, 2026 | Purchasing a Home

FHA Refinancing Options: A Practical Guide for Homeowners

FHA Refinancing Options: A Practical Guide for Homeowners

FHA refinancing can help some homeowners adjust their mortgage, but the right option depends on the existing loan, payment goal, equity, documentation, and current program fit. Do not assume every FHA refinance works the same way.\nWestern Ohio Mortgage

Feb 17, 2026 | Refinancing a Home