Cole McInturff - Knocking Credit Scores Out of the Park: A Ballplayer's Guide to Mortgages

Ever wondered how a background in education and collegiate baseball could make someone a better mortgage lender? Cole McInturff of Home Savings & Trust Mortgage reveals exactly how these seemingly unrelated experiences shaped his unique approach to helping homebuyers navigate one of life's biggest financial decisions.Cole's journey from James Madison University baseball player to mortgage professional provides fascinating insights into how athletic discipline translates to business success. The patience he developed teaching elementary students now serves him perfectly when explaining complex mortgage concepts to first-time homebuyers. His baseball-inspired mantra—"don't get too high, don't get too low, stay even keel"—proves remarkably applicable to riding the inevitable ups and downs of the mortgage industry.For anyone struggling with credit concerns, Cole offers practical, actionable advice. He shares insider tips on improving credit scores quickly through rapid rescoring, potentially boosting scores by up to 100 points in days by addressing credit card debt and removing collections. His refreshingly straightforward explanation of what lenders actually look for—credit score, employment history, and available funds—demystifies the qualification process.The conversation takes an unexpected turn when Cole reflects on his evolution as a mortgage professional, moving from a rigid, transactional approach to one focused on building genuine connections. "People want to work with people they like," he observes, echoing a sentiment that applies across all industries but feels especially relevant when guiding someone through the emotionally charged process of financing a home.Whether you're a first-time homebuyer, a real estate professional, or simply curious about how rates and market conditions are trending in 2023, this episode delivers valuable insights from someone who's mastered the art of making mortgage lending personal, educational, and surprisingly approachable. Ready to rethink your approach to mortgages and homebuying? This conversation might just change your perspective.