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Indhold leveret af Adam Rose. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af Adam Rose eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.
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Indhold leveret af Adam Rose. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af Adam Rose eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.
Welcome to The Mortgage Guy podcast hosted by Adam Rose! Join us as we explore topics ranging from mortgages and real estate to supporting small businesses. Stay tuned for insightful discussions and valuable tips!
Indhold leveret af Adam Rose. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af Adam Rose eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.
Welcome to The Mortgage Guy podcast hosted by Adam Rose! Join us as we explore topics ranging from mortgages and real estate to supporting small businesses. Stay tuned for insightful discussions and valuable tips!
In this episode of The Mortgage Guy Podcast, we welcome back Aaron Barker, a professional sales and leadership coach at Southwestern Coaching. Aaron brings a unique approach to coaching, helping professionals redefine their mindset, regain motivation, and achieve both success and work-life balance. 🔹 What We Cover: ✅ How shifting your mindset can change your career & personal life ✅ The difference between a calendar vs. schedule—and why it matters ✅ How to create aligned goals that truly move you forward ✅ Measuring work-life balance & success beyond numbers ✅ Why vision & purpose should be the foundation of your business Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
In this episode of The Mortgage Guy Podcast, we’re covering: 📉 Mortgage rate updates – What’s driving recent changes? 🏛️ Legislative updates – Highlights from Ohio’s Capitol & upcoming Homebuyer Summit. 💰 Tariffs & inflation – How will they impact housing affordability? 📊 Treasury bonds & national debt – Why do they matter for mortgage rates? Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
The housing supply crisis, rising property taxes, and hedge fund real estate investments are major concerns for homebuyers, sellers, and real estate professionals. In this episode of The Mortgage Guy Podcast, I break down what’s happening behind the scenes after meeting with legislators at the Ohio Mortgage Bankers Association’s Day at the Capitol. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
In this episode of The Mortgage Guy Podcast, Adam Rose sits down with Jim Luana, a new loan officer at Western Ohio Mortgage Company (WOMC). Jim shares his experience stepping into the mortgage industry, what he's learned so far, and the challenges and opportunities that come with being a new loan officer. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 Jim Luana NMLS #2403351…
🏡 Thinking about buying a home that needs some repairs? The USDA Repair Escrow program could be a great solution! In this episode of The Mortgage Guy Podcast, we break down how it works and why it's becoming more relevant in today's market. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301
In this episode of The Mortgage Guy Podcast, we’re breaking down everything you need to know about appraisals—one of the most critical (and often misunderstood) parts of the homebuying process. Here’s what we cover: ✅ Why appraisals are so important to lenders and how they’re scrutinized by Fannie Mae, Freddie Mac, and other agencies. ✅ Common sticking points with appraisals for buyers, sellers, and realtors. ✅ Unacceptable appraisal practices: How comps, property conditions, and neighborhood factors impact valuation. ✅ Why some appraisals come in lower than expected and what options you have when this happens. ✅ How appraisers’ decisions affect their licensing, lenders, and the overall mortgage process. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
Medical Debt No Longer Reported: Starting in 2025, medical collection debt will no longer appear on credit reports. This means: Improved credit scores for many borrowers. Easier mortgage approval for buyers previously impacted by medical collections. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
Welcome back to The Mortgage Guy Podcast! In today’s episode, we’re tackling two key topics: a quick market update as we transition into 2025 and essential home safety tips for the winter travel season. 📌Here’s what you’ll learn: ✅The latest on mortgage rates: What happened in 2024, what to expect in 2025, and why rates aren’t moving much. ✅How to spot refinancing offers that actually make sense for your financial situation (and avoid common traps). ✅Practical tips to keep your home safe while traveling this winter, from smarter security upgrades to avoiding rookie mistakes like hiding spare keys. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
Are you buying your first home? 🏠 Understanding the difference between emotional and logical home buying could save you from costly mistakes and buyer’s remorse! In this episode of The Mortgage Guy Podcast, we explore: ✅ How emotions drive up to 90% of home-buying decisions. ✅ Why emotional buyers are more likely to experience regret and move sooner. ✅ Tips for logical home buying: price analysis, ROI, and location factors. ✅ Real stories and strategies to help you make smarter decisions. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
This episode is packed with tips to help you navigate the homebuying process during the holiday season and prepare for tax season: ➡️ Avoid New Credit: Learn why opening new credit lines like credit cards or using services like Klarna or Affirm can hurt your mortgage approval chances. Protect your credit score and debt-to-income ratio during this critical time. ➡️ Tax Season Prep: With tax season around the corner, find out why it’s essential to stay on top of your taxes. We also discuss how your tax refund can be a great source for a down payment on your dream home. Whether you’re actively buying a home or planning ahead, this episode offers actionable advice to keep your finances on track. 🔔 Don’t forget to follow us for more mortgage insights and real estate tips! 📧 Have questions? Reach out at: arose@westernohiomortgage.com 📞 Office: 937-497-9662 Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 Listen now and get one step closer to homeownership! 🏡💼…
🎙️ New Episode! We’re covering: ➡️ FHFA’s move to improve rental affordability by raising multifamily loan caps for Fannie Mae and Freddie Mac ➡️ Financing options for investment properties, including conventional and DSCR loans ➡️ Legislation targeting trigger leads and how to opt out Tune in now for insights into these key topics! Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
In this episode, we explore key mortgage industry updates impacting buyers, lenders, and PMI companies. Starting with the FHFA’s recent expansion of appraisal waivers, we discuss the potential benefits and drawbacks, looking at how it may streamline the homebuying process and what it means for property valuations and PMI (Private Mortgage Insurance) companies. Discover insights into how appraisal waivers may reshape the mortgage process, reducing costs and time, yet introducing potential risks in underwriting. Next, we focus on the concerning rise in mortgage fraud tied to ITIN loans (Individual Taxpayer Identification Number loans). As ITIN loans become more common for homeownership opportunities, we highlight the types of fraud affecting these loans, how lenders and buyers can protect themselves, and why this trend matters for the broader real estate market. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
n this episode, we dive into the major news of Flagstar selling its mortgage servicing business to Mr. Cooper and what this could mean for homeowners and the mortgage industry. We also discuss the latest data on the Mortgage Credit Availability Index—what it means for buyers and the overall lending environment. Plus, find out why home seller profit margins slightly declined in the 3rd quarter, and how the upcoming election could impact homebuyers and the real estate market. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
Are you keeping up with the fluctuating mortgage rates this October? In this episode, we break down what’s happening with rate cuts and why homeowners insurance premiums are on the rise. If you’re considering buying, refinancing, or just want to know how these changes could affect your mortgage payments and homeownership costs, this episode is for you! Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
In this episode, we bring you the latest on mortgage rates and explore an emerging trend that’s raising eyebrows: Zombie Mortgages making a comeback! What are zombie mortgages, and why are they reappearing now? We break down what this means for homeowners, buyers, and investors alike. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301…
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