The Mortgage Guy

What an incredible few days at the 2026 Ohio Mortgage Bankers Association (OMBA) Convention! In this special episode of The Mortgage Guy Podcast, we're taking a look back at the largest OMBA Convention in the organization's history. More than 230 mortgage professionals from across Ohio and around the country gathered in Columbus for three days of education, networking, collaboration, and discussio...

Will the housing market crash in 2026? Are mortgage rates going down? Should you buy a house now or wait? In this housing market update, Adam Rose breaks down home prices, mortgage rates, housing inventory, and whether a housing bubble is forming. In this episode of The Mortgage Guy Podcast, Adam Rose, President & Senior Loan Officer at Western Ohio Mortgage, breaks down the current housing market...

Adam Rose, Vice President & Senior Loan Officer at Western Ohio Mortgage and current President of the Ohio Mortgage Bankers Association (OMBA), breaks down everything coming to the 2026 OMBA Convention — and why this may be the biggest mortgage industry event Ohio has ever hosted. From high-level mortgage industry strategy and political advocacy to AI, recruiting, leadership, sales, operations, an...

Adam Rose, VP & Senior Loan Officer at Western Ohio Mortgage, just returned from the Mortgage Bankers Association's National Advocacy conference in Washington DC — and he's breaking it all down for you. In this episode, Adam covers: ✅ Why the Fed is now expected to make zero rate cuts in 2026 ✅ How ongoing conflict and oil futures are pushing inflation back toward 4% ✅ What the Road to Legislat...

Mortgage rates update, trigger leads ban, housing market update, and mortgage rate forecast for 2026. In this episode of The Mortgage Guy Podcast, Adam Rose from Western Ohio Mortgage explains the end of mortgage trigger leads, what it means for homebuyers, and how the change affects the mortgage industry. For years, trigger leads from credit bureaus like Experian, Equifax, and TransUnion caused h...

Adam Rose, Vice President & Senior Loan Officer at Western Ohio Mortgage, breaks down the full lineup of mortgage products available right now — and why there's no such thing as a one-size-fits-all loan. Whether you're a first-time buyer, seasoned investor, veteran, homeowner looking to renovate, or someone navigating self-employment income, this episode is your complete mortgage program refresher...

In this episode of The Mortgage Guy Podcast, Adam Rose—Vice President & Senior Loan Officer at Western Ohio Mortgage—delivers a concise mortgage market update, breaking down where interest rates, housing inventory, and buyer activity stand as we head into the spring market. Mortgage rates remain flat following the latest Fed meeting, with no immediate rate cuts expected. Adam explains how a weaker...

🔔 This Week on The Mortgage Guy Podcast In this episode, Adam Rose, Vice President and Senior Loan Officer with Western Ohio Mortgage, breaks down several major developments impacting today's housing and mortgage markets. 🏡 Real Estate & Agent Trends New research from Zillow reveals a major shift in how home sellers are finding real estate agents. While word-of-mouth once dominated, 36% of selle...

Rent vs Buy — is renting really cheaper than owning a home? In Part 2 of our Rent vs Buy series, Adam Rose explains the real financial difference between renting vs owning, focusing on equity, inflation, and long-term wealth building using a clear 10-year comparison. This episode breaks down why renters build zero equity, while homeowners can create significant net worth through principal paydown,...

Is renting really cheaper than buying a home? 🤔 In Part 1 of a 2-part series on The Mortgage Guy Podcast, Adam Rose breaks down a 10-year rent vs. buy reality check using real-world numbers to show how housing decisions impact long-term wealth. Many renters believe they're saving money because the monthly payment is lower—but when you zoom out, renting can be the most expensive housing decision o...

Mortgage advice for home buyers during the holidays. In this holiday episode of The Mortgage Guy Podcast, we break down holiday credit card mistakes, credit score impacts, tax refund planning, and smart steps to protect your ability to buy a home in the new year. As the holiday season comes to a close and we head into a brand-new year, many buyers don't realize how holiday spending can quietly hur...

🔔 This Week on The Mortgage Guy Podcast This episode covers: ⚖️ Major Industry Lawsuit: A new RICO suit filed against D.R. Horton and DHI Mortgage. Adam breaks down how the alleged use of vacant-lot tax values misled borrowers, why payments jumped by hundreds to thousands, and what this means for builder–lender relationships moving forward. 🏗️ RESPA Section 8 & Builder Incentives: A clear explana...

🔐 Home Security Offer (ADT) We partner with Secure24, an ADT provider, and many clients have asked about home monitoring. With our link below, most homeowners qualify for up to $1,300 in equipment plus 24/7 monitoring: 👉 https://s24alarms.com/WOMC Plans typically range $45–$65/month, depending on setup. 📞 Here When You Need Us If you ever need advice — whether we're your lender or not — reach o...

In this week's episode of The Mortgage Guy Podcast, we're diving into Fannie Mae's new risk assessment changes, including the removal of the 620 minimum credit score from DU findings and what that means for borrowers. I'll also cover updates to how rental history and first-time buyer status are factored into approvals — and why these adjustments could change how lenders assess risk. Then, we shift...

In this week's episode, I'm diving into the Fed's recent rate cut, what it really means for mortgage rates (hint: they're not directly tied), and why some big-name lenders are using misleading refinance ads. We'll cover: 🏦 What the Fed's move actually means for mortgage-backed securities 💸 When refinancing really makes sense — and how to spot expensive "teaser" offers 🚫 RESPA compliance reminde...

In this week's episode of The Mortgage Guy Podcast, we break down how the government shutdown is impacting the USDA loan program, and why this matters for buyers and agents in rural areas. We'll also dive into a new service we're rolling out to help homeowners challenge recent property tax reassessments — especially in counties like Logan and Champaign where values have jumped significantly. We'll...

Join Adam J. Rose, Vice President & Senior Loan Officer at Western Ohio Mortgage, as he shares expert refinancing tips and market insights in today's fast-changing mortgage landscape. 📈 In this episode, you'll learn: 💲 Refinancing Strategies: How dropping your interest rate—even by 1%—can save thousands over the life of your loan. ⚡ Streamline Refinance Programs: VA IRRRL, FHA, and USDA streaml...

📉 Refinance Opportunities: With recent rate drops, it may finally make sense to refinance—especially if you closed a loan in the last 18–24 months at a rate in the 7s. I'll share real examples of clients saving nearly $500/month. 🏦 Fannie & Freddie IPO Talk: The Commerce Secretary suggests that Fannie Mae and Freddie Mac could go public in 2025—possibly one of the largest IPOs in history. I'll b...

🔔 This Week on The Mortgage Guy Podcast This episode covers: 📉 Big news on Mortgage Insurance (MI): The MI premium tax deduction has been reinstated after expiring in 2021. This could mean hundreds to thousands of dollars in annual tax savings for homeowners with PMI, MIP, or USDA fees. 🏡 Program-by-Program Breakdown: What the deduction looks like for FHA, USDA, and Conventional loans. 💰 Smart...

In this episode of The Mortgage Guy Podcast , Adam Rose, Vice President and Senior Loan Officer at Western Ohio Mortgage, breaks down how to build credit from scratch — a key step for younger buyers who want to skip renting and move straight into homeownership. You'll learn: Why credit matters in the mortgage process How secured credit cards can establish a score The pros and cons of becoming an a...

🔔 Episode Highlights Federal Reserve Update: No rate cut yet, but a small pause is expected around September. OHFA/Down Payment Assistance News: Changes effective July 1 simplify OHFA programs—now at 3.5% for FHA/VA/USDA, and 3% for Conventional. Turn-Time Trends: Processing times have grown—from a few days to 10 days, and potentially climbing to 13–14 days due to high volume. Homebuyer Pre-Appro...

In this episode, Adam breaks down non-QM loans and construction lending—two flexible options for today's unique buyers and builders. 🏠 Topics Covered: ✔️ Bank statement loans for self-employed borrowers ✔️ DSCR loans for real estate investors ✔️ Financing non-warrantable condos (as little as 10% down!) ✔️ SmartEdge, SmartSelf, and SmartVest programs ✔️ Construction loan planning tips for 2025 bui...

In this episode of The Mortgage Guy Podcast, Adam breaks down the major July 1st updates to the OFA program (Ohio Housing Finance Agency) and how they impact homebuyers across Ohio. If you're a first-time homebuyer, an agent, or just exploring mortgage options in 2025, this episode covers everything from income limits to lower-than-market rates and turn-time warnings. 🔑 What You'll Learn: ✅ Upda...

A quick market update on USDA loans — including the newly increased income limits that could open doors for more buyers! ✅ What's happening with interest rates — will we finally see those long-awaited cuts? ✅ Event announcements — including: • July 14: CE class on Reconsiderations of Value & Appraisal Bias (FREE for MORE members!) • Sept 22: OMBA Golf Outing at Tartan Fields ⛳   Western Ohio Mo...

In this episode of The Mortgage Guy Podcast , Adam Rose breaks down the latest real estate trends—starting with a major shift: U.S. housing inventory has topped 1 million listings for the first time since before the pandemic. Adam covers: 👉 A national housing market update 👉 Signs of a shift toward a buyer's market 👉 Why more homes are sitting longer , despite record inventory 👉 The latest on...