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 over time. In this episode, Adam reframes homeownership as a financial investment, not an emotional or moral decision, and explains why time in the market matters more than timing the market. In Part 1, Adam covers: A 10-year cost breakdown of renting vs. owning How rent payments build zero equity Why rising rents matter more than people realize How principal paydown starts building wealth Why monthly payment alone is the wrong metric Part 2 will continue the conversation by expanding on ownership scenarios, market considerations, and how home equity can be leveraged over time. This episode is ideal for: ✔ Renters debating whether to buy ✔ First-time homebuyers ✔ Anyone concerned about interest rates or home prices ✔ Consumers focused on long-term financial stability If you're asking yourself, "Should I rent or buy right now?"—this two-part series will help you think clearly about housing as a long-term financial decision. 📞 Questions about buying a home or improving your mortgage readiness? Reach out to the team at Western Ohio Mortgage—we're happy to help. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 arose@westernohiomortgage.com 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102

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 hurt their mortgage approval. In this episode, Adam Rose of Western Ohio Mortgage explains the most common financial mistakes made during the holidays—and how to avoid them if buying a home in 2026 is one of your goals. 🎄 What you'll learn in this episode: Why credit cards can be a silent mortgage killer How high credit utilization impacts your mortgage credit score Why opening store credit cards during the holidays is risky How buy-now-pay-later programs (Klarna, Affirm, Afterpay) affect loan approval Smart ways to use your tax refund when buying a home Mortgage and tax planning tips for self-employed borrowers How planning ahead can improve interest rates, buying power, and loan options Whether you're a first-time home buyer or planning your next move, this episode is packed with practical mortgage tips to help you start the new year on the right financial footing. 🎙️ Listen & Subscribe Subscribe to The Mortgage Guy Podcast on YouTube, Apple Podcasts, and Spotify for weekly mortgage advice, home buying tips, and real-world lending insights. 📞 Thinking about buying a home in the new year? Reach out to the team at Western Ohio Mortgage to build a smart plan before you make costly financial mistakes. 🎄 Happy Holidays & Happy New Year! Wishing you and your family a joyful holiday season and a successful, goal-driven New Year. If homeownership is part of your 2026 plan, now is the time to prepare. 📞 Questions about buying a home or improving your mortgage readiness? Reach out to the team at Western Ohio Mortgage—we're happy to help. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 arose@westernohiomortgage.com 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102

🔔 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 explanation of what lenders can and cannot offer, how builder incentives work, and why certain practices fall into regulatory gray areas that are now drawing national attention. 📉 Fed Rate Decision Preview: What to expect from the Federal Reserve's upcoming meeting, why the dot plot matters more than the rate announcement itself, and why a Fed Funds rate cut does not automatically reduce mortgage rates. 📊 Market Reality Check: A look at how the 10-year Treasury drives mortgage pricing, how markets price in expected cuts, and why tones and comments from Chair Powell often move rates more than the cut itself. 🏛️ OMBA Updates: Details on the Future Leaders program, annual convention registration, and why industry professionals—from lenders to vendors—should consider joining the Ohio Mortgage Bankers Association. Whether you're a mortgage professional, real estate partner, or consumer trying to understand how lawsuits and Fed movement impact the market, this episode delivers clear insight into the forces shaping today's mortgage environment. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 arose@westernohiomortgage.com 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102

🔐 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 out. We're always happy to help guide you through any mortgage or real estate questions. 📊 Quick USDA Update USDA is still working through delays (currently reviewing 10/5 files), but we expect them to start catching up soon. In some cases borrowers have had to switch programs to close on time, but not everyone has that option — so we'll continue to keep you updated.

📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: arose@westernohiomortgage.com 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

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 gears into the Non-QM space — covering 1099 income programs, DSCR loans, and asset-depletion options that are helping more borrowers qualify creatively. Whether you're a buyer, investor, or loan officer, this one's packed with valuable insights. As always, I'll share my honest take on how these changes really impact the market — and why sometimes, "approved" doesn't always mean "the best fit." 📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: arose@westernohiomortgage.com 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

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 reminders — and what to avoid in co-marketing deals 🤝 Why relationship-based lending still wins in today's market Whether you're a homeowner, realtor, or loan officer, this episode will give you an honest look behind the curtain of the mortgage industry. 📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: arose@westernohiomortgage.com 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

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 cover: What happens when USDA stops issuing conditional commitments Why November 4th is a key deadline (and how the housing ratio change could affect approvals) And how our new property tax appeal service can help you fight inflated county assessments — at no cost to you If you're a borrower, homeowner, or local agent, this episode is packed with insight you'll want to hear. 📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: arose@westernohiomortgage.com 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

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 streamlines that make refinancing easier and faster. 🏠 Cash-Out Refinancing: How to use your home equity to pay off high-interest credit cards, auto loans, or free up monthly cash flow. 📉 Rate Trends & Fed Updates: How recent Fed decisions and market speculation are affecting mortgage rates. 📊 Loan Scenarios: Real-world examples of borrowers saving hundreds each month with the right refinance plan. Adam breaks down refi timing, benefits, and strategies so you can make an informed decision for your financial future. Considering a mortgage refinance? It's important to stay informed about current mortgage rates as they react to economic factors. With the talk of a fed rate cut, now might be a good time to refinance and secure lower interest rates. #refinance #mortgagerates #fedratecut #economy #mortgagerefinance 📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: arose@westernohiomortgage.com 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301