Affiliate Disclosure

The King of Reno provides educational information about mortgage lending, renovation financing, credit and related financial topics. Some pages may contain affiliate links to independent third-party products or services.

If you click an identified affiliate link and purchase or enroll in a product or service, Dustin Swigart may receive compensation from the third-party provider. This does not change the price presented to you by that provider.

SmartCredit

The King of Reno participates in the SmartCredit affiliate program. SmartCredit is an independent paid credit-monitoring and credit-management service. If you enroll through a SmartCredit affiliate link on this website, Dustin Swigart may receive a commission.

Using SmartCredit is entirely optional. SmartCredit is not required to apply for or obtain a mortgage through Dustin Swigart or CrossCountry Mortgage, LLC. Choosing to use—or not use—SmartCredit will not determine mortgage eligibility, approval, interest rate or loan terms.

Editorial Independence

Affiliate relationships do not control the educational opinions or mortgage guidance published on The King of Reno. Products and services are discussed based on their relevance to the topic and the potential usefulness of the information to readers.

No Guarantees

Credit-monitoring or credit-management products cannot guarantee a particular credit-score increase, deletion of accurate credit information, mortgage approval, interest rate or loan terms. Mortgage decisions depend on the complete borrower, property, loan program and underwriting profile.

Third-party products are governed by their own pricing, terms, privacy policies and cancellation procedures. Review those terms directly with the provider before enrolling.

Last updated: August 22, 2026