Shows
The Mortgage GuyBig Changes Coming to OHFA | Mortgage Market Update 2025📢 In this episode, Adam Rose, Vice President and Senior Loan Officer at Western Ohio Mortgage, shares key updates from the Ohio Mortgage Bankers Association—including his recent induction as OMBA President—and what it means for Ohio’s housing future.  Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #8703012025-05-1406 min
The Mortgage GuyUSDA Financing Just Got Easier – Major Update ExplainedIn this episode, Adam covers a major upcoming USDA income rule change that could expand homebuyer eligibility, gives a quick market and rate update, and previews what’s ahead at the Ohio Mortgage Bankers Convention—including exciting AI innovations in the mortgage industry.  Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #8703012025-05-0106 min
The Mortgage GuyNAC Recap + Housing Policy Updates + Affordable Housing Summit Review✅ Recap from NAC in D.C. and meetings with Congress & Senate 🏛️ Policy advocacy updates on: Veterans Assistance Servicing Purchase Program (VASP) Homebuyers Privacy Protection Act (a.k.a. ending trigger leads) 📉 Market volatility and interest rate movement 🏡 Highlights from the Affordable Housing Summit in Columbus 📍 Announcement: 2025 Summit coming to Dayton! 🔊 Why membership in mortgage associations matters (MBA, OMBA, etc.) Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #8703012025-04-1611 min
The Mortgage Guy🏡 Market Update + HUD Changes You Need to Know!⚠️ **Heads up for non-permanent residents** — FHA and USDA loans will now require lawful permanent residency (green card holders). Conventional (Fannie Mae/Freddie Mac) hasn’t followed suit *yet*, but it’s likely coming. 📆 If you're currently shopping and relying on FHA, **May 24th** is your deadline to be under contract and secure a case number before the change fully kicks in. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #8703012025-04-0207 min
The Mortgage GuyThe Key to Work-Life Balance & Business Growth with Aaron Barker!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 #960...2025-03-1924 min
The Mortgage GuyMarket Update: FREE Homebuyer Summit, Mortgage Rates, Tariffs, & the Housing Outlook! 🏡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 #8703012025-03-1209 min
The Mortgage Guy🏡 Big Challenges in the Housing Market—What’s Being Done?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 #8703012025-02-2611 min
The Mortgage Guy🎙️ Meet Jim Luana: A New Loan Officer’s Journey at WOMC! 🏡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 #24033512025-02-1225 min
The Mortgage GuyUSDA Repair Escrow Explained: A Game-Changer for Homebuyers! 🏡🔨🏡 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 #8703012025-02-0510 min
The Mortgage GuyUnderstanding Appraisals: Key Insights for Homebuyers, Sellers, and Realtors 🏡📊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, len...2025-01-2913 min
The Mortgage GuyBig Changes for Homebuyers: CFPB Eliminates Medical Debt from Credit Reports! 🏡💳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 #8703012025-01-1507 min
The Mortgage GuyMortgage Market Update 2025 + Essential Winter Home Safety Tips!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. Wester...2025-01-0811 min
The Mortgage GuyEmotional vs. Logical Home Buying: Avoid Mistakes & Make Smarter Decisions! 🏡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 #8703012024-12-1809 min
The Mortgage GuySmart Financial Moves for Homebuyers During the Holidays!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...2024-12-1107 min
The Mortgage GuyFHFA Tackles Rental Affordability, Investment Home Financing Options, and Trigger Leads Explained🎙️ 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 #8703012024-11-2713 min
The Mortgage GuyFHFA Expands Appraisal Waivers: Impact on PMI & Rising ITIN Loan Fraud!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 co...2024-11-0612 min
The Mortgage GuyFlagstar Sells to Mr. Cooper + Mortgage Credit Availability & Home Seller Margins Declinen 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 #8703012024-10-2311 min
The Mortgage GuyWhat's REALLY Happening with Mortgage Rates and Homeowners Insurance?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 #8703012024-10-1615 min
The Mortgage GuyMortgage Rate Update: Are Zombie Mortgages Making a Comeback?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 #8703012024-10-0914 min
The Mortgage Guy🏡 Lower Rates, Better Affordability – But What About the Housing Supply Crisis? 🏡In this episode, we dive into the big question on everyone’s mind: Will lower mortgage rates actually fix the housing market? While reduced rates can improve affordability for buyers, they might also fuel intense bidding wars, driving up home prices even more. So how do we really solve the housing supply crisis? Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #8703012024-10-0210 min
The Mortgage GuyFed Rate Cut: What It Means for Mortgage Rates and Redlining in Real EstateHow the Fed rate cut impacts mortgage rates for homeowners and buyers? How to take advantage of lower mortgage rates? What is redlining in real estate and why it’s harmful? The importance of fair lending practices and equal access to home loans. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #8703012024-09-2508 min
The Mortgage GuyUnlock Your Dream Home: The Ultimate Guide To Construction Mortgage LoansAre you planning to build your dream home or invest in a custom-built property? In this episode, I break down everything you need to know about construction mortgage loans. Whether you're a first-time home builder or a seasoned real estate owner, understanding the ins and outs of construction financing is crucial for making informed decisions. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #8703012024-09-1115 min
The Mortgage Guy5 Homebuying Mistakes to Avoid: Essential Tips for a Smooth Mortgage ProcessWe reveal the top 5 homebuying mistakes to avoid to ensure a smooth and successful mortgage process. Whether you're a first-time homebuyer or experienced in real estate, these essential tips will help you make informed decisions and avoid common pitfalls. Learn why getting pre-approved is crucial, why you don’t need 20% down, and how maxing out credit cards or making large purchases like a car can jeopardize your loan approval. Stay on track with your homebuying journey by avoiding these critical mistakes. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-08-2807 min
The Mortgage GuyMarket Update: Should I Refinance My Home Now? Plus, Upcoming Changes to Land Contracts!Welcome back to The Mortgage Guy Podcast! In today's market update, we're tackling two hot topics: whether now is the right time to refinance your home and the significant changes coming to land contracts. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-08-2112 min
The Mortgage GuyWhat Homebuyers Need to Know About the Recent NAR Settlement!Welcome back to The Mortgage Podcast! 📺 In today's video, we're diving into the recent settlement involving the National Association of Realtors (NAR) and what it means for current and prospective homebuyers. 🏡 -Overview of the NAR Settlement: What happened and why it matters. Impact on Homebuyers: -How this settlement might affect your home buying journey. -Changes in Realtor Practices: New rules and regulations that could shape your experience. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-08-1407 min
The Mortgage GuyAccelerate Your Debt Repayment with GemCap’s Bi-Weekly Payment Plan!Welcome to The Mortgage Guy podcast! 🎉 In today’s video, we reach into the podcast vault and re-introduce you to Ray Kline from GemCap Equity Management, the innovative financial company designed to help you take control of your debt repayment. Whether you have a mortgage, car loan, or other types of debt, GemCap's bi-weekly payment system allows you to build equity faster and pay off your loans sooner. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-08-0716 min
The Mortgage GuyThe State of the Housing Market: Average Sales Price ExplainedWelcome to The Mortgage Guy podcast, where we dive deep into the latest trends and insights in the housing market! 🏡 In this episode, we're breaking down the average sales price of homes and what it means for buyers, sellers, and the overall real estate market. Whether you're a first-time homebuyer, a seasoned real estate investor, or just curious about the housing market, this episode has something for you. Don't miss out on valuable information that could impact your next real estate decision! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-07-3109 min
The Mortgage GuyUnderstanding Residential Property Disclosures: What Every Buyer and Seller Needs to Know!In this episode, we'll walk you through the ins and outs of Residential Property Disclosures. Whether you're a first-time homebuyer, seller, or just looking to understand the real estate market better, this guide is for you! Subscribe to our channel for more mortgage tips and homebuying advice! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-07-2408 min
The Mortgage GuyHousing Shortage Fallout, Rate Trends, and NAR Broker Agreement ExplainedToday, we dive deep into the latest developments in the housing market. We explore the impact of the ongoing housing shortage, analyze current interest rate trends, and break down the recent National Association of Realtors (NAR) broker agreement. Whether you're a prospective homebuyer, a real estate professional, or just interested in the market, this update has crucial insights for you. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-07-1010 min
The Mortgage GuyMajor USDA loan program update!Join us for Episode 63 where we discuss a significant update to a USDA program. This update could potentially allow you to make purchases at a higher price. Adam will break down the details of this change and how it might impact you! Tune in to stay informed! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-07-0306 min
The Mortgage GuyFrom Renter to Homeowner: How Rental History Impacts Your Mortgage!In this episode of The Mortgage Guy podcast, we dive into the crucial role that your rental history plays in securing a mortgage. If you're a renter planning to become a homeowner, understanding this aspect of your financial profile is essential. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-06-2609 min
The Mortgage GuyUnlocking Homeownership: Understanding the OHFA Grant Program!Welcome episode 61, where we dive deep into the Ohio Housing Finance Agency (OHFA) grant program. Join us as we discuss how this program helps make homeownership more accessible, the benefits it offers, and how you can qualify. Whether you're a first-time homebuyer or looking to learn more about housing assistance options, this episode is packed with valuable information you won't want to miss! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-06-1912 min
The Mortgage GuyRenovation Series Part 2: Understanding FHA 203k Loans: Standard vs. LimitedJoin Adam and Teresa as they dive into the details of the FHA 203k loan! In this episode, they discuss the two different types of 203k loans: the Standard 203k and the Limited 203k. Learn about the key features, eligibility requirements, and how each loan can help you finance your home renovation projects. Whether you’re planning minor upgrades or major repairs, this video provides valuable insights to help you choose the right loan for your needs. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-06-1224 min
The Mortgage GuyRenovation Series Part 1: From Fixer-Upper to Dream Home: USDA Renovation Loan InsightsAre you dreaming of transforming a fixer-upper into your perfect home? Join us in this episode as we explore the ins and outs of USDA renovation loans. We'll break down the eligibility requirements, benefits, and the application process, providing you with essential insights to make your renovation journey smooth and successful. Discover how USDA renovation loans can help you finance home improvements in rural areas, turning potential properties into your dream home. Whether you're a first-time homebuyer or looking to upgrade your current residence, this episode offers valuable information and expert advice to guide you every step of the...2024-06-0514 min
The Mortgage GuyWhy Bank Statements Matter in the Mortgage Process!In Episode 58, Adam explains the crucial role that bank statements play in the mortgage process. Discover why lenders require these documents and how they help verify your financial stability and creditworthiness. Adam breaks down the specific information lenders look for in your bank statements, such as income consistency, spending habits, and any red flags that might affect your loan approval. Whether you're a first-time homebuyer or looking to understand the intricacies of mortgage applications, this video provides valuable insights into the importance of bank statements in securing your home loan. Tune in to learn more and make your mortgage...2024-05-2217 min
The Mortgage GuyUnlocking Manufactured Home Financing: Expert Tips and Insights!In episode 57, Adam shares valuable tips on financing a manufactured home. Whether you're considering purchasing a manufactured home or already in the process, our experts provide invaluable insights to navigate the financing landscape effectively. From understanding loan options and eligibility criteria to maximizing affordability and overcoming common challenges, this discussion covers it all. Join us to empower yourself with the knowledge needed to finance your dream manufactured home with confidence! #ManufacturedHome #FinancingTips #MortgageExperts #HomeOwnership #RealEstateFinance #AffordableHousing #LoanOptions #CreditScore #DownPayment #PropertyOwnership #MobileHomeFinancing #FinancialAdvice #HomeBuyingJourney #mortgagetips Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-05-1514 min
The Mortgage GuyMeet Mica James: Your Trusted Loan Officer at Western Ohio MortgageIn Episode 56, we introduce you to Mica James, one of our dedicated loan officers. While Adam and Mica talk about their beloved Bengals, Mica brings a wealth of knowledge and experience to help you navigate the world of home financing. Whether you're buying your first home or refinancing, Mica is here to guide you every step of the way with personalized service and expert advice. Tune in to get to know Mica and learn how he can assist you in making your homeownership dreams a reality. Don't forget to like, comment, and subscribe for more updates! Western Ohio Mortgage 733...2024-05-0819 min
The Mortgage GuyMeet Chad Perk, a Loan Officer for Western Ohio Mortgage!In Episode 55, we introduce Chad Perk, a Loan Officer at Western Ohio Mortgage (WOMC). Chad shares insights from his personal and professional journey, detailing why he finds WOMC preferable to other mortgage lenders. Adam and Chad delve into the importance of accessibility for loan officers. Additionally, Adam provides valuable information on FHA and USDA guidelines regarding the utilization of a savings pattern as a line of credit. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#870301 Chad Perk NMLS #5636262024-05-0117 min
The Mortgage GuyFollow-up on Creative Financing with USDA Loans and Alternative Credit Solutions!Today, in episode 54, we're diving deeper into some comments and questions raised in last week's episode about creative financing. Discover strategies to enhance your credit profile, putting you in a prime position to achieve homeownership. Adam sheds light on why these methods differ from the issues faced during the 2009 crisis. Plus, we'll address whether age poses any restrictions on purchasing a home. Tune in now to gain valuable insights and empower your homebuying journey! #homebuying #usdaloans #creativefinancing #AlternativeCredit #homeownership #AlternativeLinesOfCredit Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-04-2407 min
The Mortgage GuySmall Business Spotlight: A&E Home Services - Your Partner in Home Improvement!In this captivating Small Business Spotlight, we shine a light on A&E Home Services, your trusted partner in home improvement. Join us as we explore the dedication, craftsmanship, and passion behind A&E's commitment to transforming houses into dream homes. From renovations to repairs, A&E Home Services goes above and beyond to deliver top-notch quality and customer satisfaction. Discover their story, meet the team, and learn how A&E is making a difference one home at a time. Tune in and be inspired by the excellence of A&E Home Services! Western Ohio Mortgage MB#9601 Adam J...2024-04-1017 min
The Mortgage GuyAdam and Teresa Analyze the NAR Settlement: What Does it Mean for Real Estate?In Episode 51, mortgage experts Adam and Teresa dive deep into the recent settlement involving the National Association of Realtors (NAR). Join them as they dissect the implications of this significant development for the real estate industry. From potential impacts on market dynamics to changes in consumer protections, Adam and Teresa provide valuable insights and thoughtful analysis. Whether you're a seasoned real estate professional or an interested observer, this discussion sheds light on the evolving landscape of the housing market. Tune in to gain a comprehensive understanding of the NAR settlement and its implications .#RealEstateNews #NARSettlement #IndustryInsights #Mortgagetips #Mortgagepodcast #MarketAnalysis...2024-04-0320 min
The Mortgage GuyCelebrating 50 Episodes: A Milestone Journey Through Insightful Podcast Conversations!In this special 50th episode, join us as we reflect on an incredible journey filled with insightful conversations and memorable moments. From thought-provoking discussions to inspiring stories, each episode has brought us closer to understanding diverse perspectives and embracing new ideas. Join the celebration as we highlight some of our favorite moments and look ahead to the exciting episodes yet to come. Thank you for being part of this remarkable journey with us! #mortgagepodcast #realestate #podcast Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-03-2705 min
The Mortgage GuyShining a Spotlight: Discovering Excellence with Technical Roofing - Your Trusted Roofing Solution!Looking to elevate your roofing game? Join Adam and Bill as we shine a spotlight on Technical Roofing Of St. Henry, your go-to experts for all things roofing! 🌟 In this captivating video, we take you behind the scenes of Technical Roofing's exceptional services, showcasing their dedication to quality, craftsmanship, and customer satisfaction. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-03-2017 min
The Mortgage GuyUnlocking Real Estate Wisdom: Adam and Teresa discuss why FHA just might be the best offer!In this enlightening YouTube video, Adam and Teresa delve into the often-overlooked advantages of FHA loans for homebuyers. Discover why FHA loans could be the ultimate solution for your homebuying journey as they share valuable insights and expert tips. Whether you're a first-time buyer or looking to maximize your purchasing power, this discussion is packed with valuable information to help you make informed decisions in the real estate market. Tune in and empower yourself with the knowledge to secure the best offer for your dream home! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#870301 Teresa Rose NMLS#2869232024-03-1314 min
The Mortgage GuyUnlock the Secrets to Selling Your Home Fast! 🏡💰 | Ultimate Home Prep Tips!Are you ready to maximize the value of your home and sell it quickly? In episode 47, Adam unveils expert tips and strategies to get your home ready for sale. From decluttering and staging to curb appeal and home improvements, we've got you covered. Whether you're a seasoned seller or a first-time homeowner, this episode is your ultimate guide to preparing your home for a successful sale! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-03-0612 min
The Mortgage GuyMarket Updates: HUD's FHA Assistance, Interest Rate Forecasts, and Home Value ProjectionsIn Episode 46, we delve into the latest updates in the market! Discover HUD's program aimed at assisting individuals grappling with their FHA mortgage payments. Additionally, we recap the current interest rate landscape and explore forecasts. Are listings on the rise or decline? We also delve into projections for home values. Tune in for all the insightful details! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-02-2807 min
The Mortgage GuyUnlocking the Benefits of the Family Opportunity Mortgage: Your Complete GuideIn Episode 45, we dive into the Family Opportunity Mortgage, exploring its benefits, eligibility criteria, and how it can help families navigate the complexities of financing a home for a loved one, such as an elderly parent or disabled child. Join us as we uncover everything you need to know about this unique mortgage option and how it could be the solution you've been searching for. Don't miss out on this essential guide to maximizing your family's homeownership opportunities! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-02-2107 min
The Mortgage GuyUnlocking Marketing Secrets: Expert Tips with Kyle Doak!In Episode 44, we're thrilled to welcome back Kyle Doak from Corporate Media Solutions! Kyle shares invaluable marketing insights that can benefit any business looking to enhance their marketing strategies. Don't miss out on these fantastic tips! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-02-1423 min
The Mortgage GuyIntroducing Nikki Loudenback from Keller Williams Realty!Today, let's introduce you to Nikki, a prominent realtor based in Sidney, Ohio. Nikki graciously shares her journey into the world of real estate, her commitment to delivering top-notch customer service, and not one, but TWO incredible tales from the realm of real estate madness. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-01-3124 min
The Mortgage GuyIndustry Insights: Mortgage Lawsuits, Data Breach, Foreclosure Trends, and Rate Advertising Caution!Episode 41: Dive into our latest industry update, covering developments in mortgage lawsuits, a notable data breach from a major player, insights into leading foreclosure zip codes, and a cautionary note on rate advertising. Stay informed with this content-rich episode! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012024-01-2412 min
The Mortgage GuyFarewell 2023! NAR Lawsuit update and Game-Changing Proposal: Hedge Funds Forced to Sell HomesEpisode 38 - Join us in this riveting episode as Adam delves into the latest real estate headlines, dissecting the National Association of Realtors (NAR) lawsuit and a groundbreaking proposal by Congress affecting hedge funds and home sales. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-12-2011 min
The Mortgage GuyUnlocking Real Estate Dynamics: Exploring Increased Loan Limits and the Surprising Stay-Put Trend!Episode 37: 🏡✨ Dive into the latest episode of our podcast as we explore the dynamic landscape of the real estate market! 🎙️ Discover the impact of the recently increased loan limits on home financing and the surprising trend of people choosing to stay put. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-12-1309 min
The Mortgage GuyMastering Mortgages: Unveiling the Mystery of a Pre-Approval vs. Pre-Qualification!🏡 Dive into the mortgage maze with our latest podcast! 🎙️ Learn the game-changing differences between pre-approval and pre-qualification. Whether you're a first-timer or a seasoned pro, tune in for essential insights on securing your dream home! 🏠#homebuyingtips #mortgage101 #homeownership Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-12-0606 min
The Mortgage GuyA MAJOR lender has a new lawsuit, developments in the NAR legal battle, and notable industry news!Happy Thanksgiving! In Episode 35, Adam provides a recap of his visit to the Ohio Mortgage Bankers day at the Ohio Capital. He also covers a new mortgage lender lawsuit and provides a brief update on the NAR lawsuit. Additionally, he provides coverage of the latest mortgage industry statistics. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-11-2211 min
The Mortgage GuyMarket Insights & Legal Breakdown: Adam Discusses Latest Real Estate Trends and NAR Lawsuit Update!Episode 34: In this enlightening episode, join us as Adam takes the stage to dissect the latest market trends and the recent NAR lawsuit that's been making waves in the real estate world. Tune in for an eye-opening discussion that combines expert market analysis with the latest legal developments. Whether you're a real estate enthusiast, professional, or someone curious about the industry's inner workings, this episode offers essential insights to keep you ahead of the curve. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-11-0819 min
The Mortgage GuyUnlocking Commercial Spaces: Insights and Strategies for Thriving in Real EstateEpisode 33 - In this episode, join Adam and Caven Risk with Brokers Real Estate as they venture into the intricate world of commercial real estate. From bustling city centers to suburban landscapes, they uncover the secrets behind successful commercial property ventures. Tune in to gain insider insights on the commercial property market, learn about the unique challenges faced by investors and tenants alike, and discover the innovative solutions that are reshaping the way we view and utilize commercial spaces. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-11-0127 min
The Mortgage GuyLatest Fannie Mae Updates: Your ultimate guide to prepare for your home purchase!Stay updated with the latest Fannie Mae changes! 🏡✨ In this video, we'll cover the most recent Fannie Mae update. Whether you're a first-time buyer or looking to upgrade, understanding these changes is crucial. We'll also share expert tips on prepping to buy a house! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-10-1807 min
The Mortgage GuyDecoding Home Prices: Unraveling the Impact of Rates, Property Taxes, and Insurance!Episode 31 - Today, Adam delves into the dynamic world of real estate, exploring the influential factors shaping home prices today. From fluctuating interest rates and property taxes to the intricacies of insurance, he provides a comprehensive analysis, shedding light on the forces that are dramatically impacting the housing market. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-10-1111 min
The Mortgage GuyRenovate Your Home, Finance Your Dreams: The Ultimate Renovation Mortgage Podcast!Are you a homeowner dreaming of a kitchen remodel, a bathroom upgrade, or a complete home transformation? Or perhaps you're a potential homebuyer eyeing a fixer-upper that needs some love? Our podcast is tailored to inspire and inform, guiding you through the maze of renovation lending options, including FHA 203(k) loans, Fannie Mae Homestyle Renovation mortgages, and USDA renovation loans. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-10-0411 min
The Mortgage GuyDouble Income, Double Questions: Mortgage Tips for Dual Job HoldersAre you juggling two jobs and looking to buy a home? In this podcast, we've got you covered! Discover crucial mortgage information tailored to individuals with multiple sources of income. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-09-2007 min
The Mortgage GuySelf-Employed? Need a mortgage? Let us help!Episode 28 - Are you a self-employed individual dreaming of homeownership? Join us for an informative and insightful video with Adam, a seasoned mortgage expert, who will walk you through the essential steps to prepare yourself for a successful mortgage application process. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-09-1312 min
The Mortgage GuyUnlocking Financial Freedom with Ginny Delaney!Episode 27 - In this enlightening video, we delve into the world of credit improvement as we meet Ginny Delaney from Xactus. Join us as we break down effective strategies, offer valuable tips, and enhance your knowledge of the credit world. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-08-3029 min
The Mortgage GuyMeet Aaron Barker of Southwest Consulting! Part 2!Episode 26 - Adam introduces us to Aaron Barker, who is a Certified Professional Sales Coach at Southwestern Consulting. In Part 2, Aaron shares how he took a leap of faith and the challenges that come with that! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-08-2320 min
The Mortgage GuyMarket Update and a new product offering!Episode 24 - Adam gives up a market update AND a new product offering! We now offer a fully automated HELOC product to tap into your homes equity! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-08-0907 min
The Mortgage GuyHow a Bridge Loan can help you secure the perfect home!Episode 23 - Today Adam discusses the difference between blanket loans and bridge loans and how they can your offer be more competitive! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-08-0206 min
The Mortgage GuyLet's review the required documents for a mortgage!Episode 22 - In today's episode, Adam and (T)eresa go over the required documents and WHY we collect said documents! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-07-2616 min
The Mortgage Guy"Best Of" some previous shows!Episode 21 - This week we share some "Best Of" from some previous shows! We hear from Matt Anderson of Republic Title, Adam talks about USDA loans and Matt Echols of Billing Insurance goes over some insurance information! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-07-1914 min
The Mortgage GuyMeet Josh Wolaver!Episode 20 - Today we talk with Josh Wolver, owner of Arm's Length Inspections. Josh explains (and shows) the importance of always getting a home inspection! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-07-1217 min
The Mortgage GuyMeet Phil Moeller!Episode 19 - In this episode, we talk with Phil Moeller with Moeller Real Estate. Phil shares his real estate investment journey that started with a single family rental all way to a 243 unit apartment complex! Visit https://www.moellerre.com/ to learn more! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-07-0521 min
The Mortgage GuyPart 2 - Let's learn about homeowners insurance!Episode 18 - In this episode, we talk with Matt Echols of Billing Insurance out of Anna, OH. Matt elaborates on all the different coverages on your homeowner's policy. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-06-2816 min
The Mortgage GuyPart 1 - Let's learn about homeowners insurance!Episode 17 - In this episode, we talk with Matt Echols of Billing Insurance out of Anna, OH. Matt elaborates on all the different coverages on your homeowner's policy. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-06-2115 min
The Mortgage GuySome things NOT to do!Episode 16 - Today we talk about some things you SHOULD NOT do during the homebuying process! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-06-0707 min
The Mortgage GuyAdam provides some insight on some costs of getting a mortgage!Episode 15 - Adam shares some things to keep in mind when starting the mortgage process and goes over some of the costs associated with the different loan products! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-05-3115 minThe Mortgage GuyMeet Time Gleason!Episode 14 - Today we chat with Tim Gleason, Broker/Owner of Realty 2000! Tim shares his real state story and how he has built Realty 2000 into one of Shelby County's premier real estate agencies! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-05-2426 minThe Mortgage GuyMeet Kevin Jones!Episode 13 - Today we talk to Kevin Jones, Realtor with Gay Smith & Associates. Kevin not only talks about his real state journey, but also expresses his passion for theater arts! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-05-1720 minThe Mortgage GuyMeet Kyle Doak!Episode 12 - Today we talk with Kyle Doak, Owner of Corporate Media Solutions. Kyle gives us an inside look on how how to grow your brand. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-05-1017 minThe Mortgage GuyMeet Kamille Lambert!Episode 11- Meet Kamille Lamber, Realtor! Kamille is a Realtor with Home Experts Realty. Today, she tells us about the great organizations she is a part of and how she is giving back to the community. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-05-0318 minThe Mortgage GuyMeet Rocco Catanzarite!Episode 10 - In this episode, we get to know Rocco Catanzarite. Rocco is a small business owner in the Sidney area. Rocco not only operates 2 delicious restaurants, be he is also organizing the Boots in the Street Concert! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-04-2622 minThe Mortgage GuyMeet Derek Fink!Episode 9 - This is where we get to know Derek Fink, Realtor of Home Experts Realty. Derek talks about his personal journey and his "WHY". Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-04-1920 minThe Mortgage GuyMeet Kayla and Kylie!Episode 8 - This is where we introduce the rest of Team Adam. We talk to Kayla (Processor) and Kylie (Transaction Coordinator). We get to learn a little about their day to day tasks! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-04-1216 minThe Mortgage GuyMeet Realtor and Real Estate investor, Andrew Spayde!Meet Andrew Spayde! Andrew is not only a Realtor with Emerson Wagner Realty, but also a seasoned real estate investor! Andrew shares his real state journey with us! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#8703012023-04-0517 min
A Couple of N3rdsAdam Rose talks Elon Musk's Rocket and Music in Hell!Send us a textWe had Adam Rose from Veronica Mars, Supernatural, and Tiktok on the show to talk trivia and life on set!Support the showWebsite: http://acoupleofn3rds.comInstagram: @acoupleofn3rdsEmail: hello@acoupleofn3rds.comLive shows every Tuesday 7-9pm at Brick House in Amherst, NY and every Wednesday 6-8pm at Spotted Octopus in Buffalo, NY!2023-04-0450 min