Starting from Zero: Building Credit for Your First Home Loan
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Starting from Zero: Building Credit for Your First Home Loan
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Narrated by:
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About this listen
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:
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Why credit matters in the mortgage process
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How secured credit cards can establish a score
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The pros and cons of becoming an authorized user
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How Experian Boost can save you money on closing costs
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USDA & FHA guidelines for borrowers with no or thin credit
Whether you’re starting from zero or helping someone establish credit, this episode offers simple, actionable steps to boost your financial readiness.
🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301