Shows
The Mortgage GuyMortgage Costs Are Changing | Here's What It Means For You🔔 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 sellers now find their agent online, more than doubling since 2018. Adam explains what this means for agents, digital presence, Google reviews, and consumer behavior. 💳 Rising Credit Report Costs Credit reporting fees are increasing dramatically heading into 2026, with reported hikes of 40–50%. Adam explai...
2026-01-2208 min
The Mortgage GuyIs Renting Really Cheaper? The 10-Year Rent vs Buy Breakdown (Part 2)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, appreciation, and stable mortgage payments. Adam also explains when renting makes sense, when buying is the better financial decision, and why time in the market matters more than timing the market. In this episode, you'll learn: Rent vs...
2026-01-1406 min
The Mortgage GuyIs Renting Really Cheaper? The 10-Year Rent vs Buy Breakdown (Part 1)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...
2026-01-0707 min
The Mortgage GuyBuying a Home in 2026? Avoid These Holiday Credit & Tax MistakesMortgage 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...
2025-12-2508 min
Small Stupid Stuff with Adam Rose and Ryan EggoldRosanna Pansino Talks Christmas StuffRosanna Pansino bestselling author and host of the hit YouTube baking show "Nerdy Nummies", joins Ryan and Adam to talk about Christmas stuff! They decide on the best Christmas traditions, debate whether "Die Hard" is really a Christmas movie, and Rosanna gets a delightful case of the holiday giggles! Happy Holidays, Stuffies!
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2025-12-2358 minSmall Stupid Stuff with Adam Rose and Ryan EggoldTyler Labine Talks Music StuffTyler Labine (New Amsterdam, Tucker & Dale vs Evil) forms a trio with Ryan and Adam to talk small stupid *music* stuff! From first concerts, to smelling "skunks" at shows, to a "this or that" segment that pits Eminem against Jay-Z, this episode is going to have you demanding seven encores... just like at a Prince concert!
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2025-12-161h 00
The Mortgage GuyWill Rates Drop? Fed Update + D.R. Horton Lawsuit🔔 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...
2025-12-1109 minSmall Stupid Stuff with Adam Rose and Ryan EggoldPatrick Adams Talks School StuffPatrick Adams (Suits, Wayward) schools Ryan and Adam on all things... school-- in the most scholarly Small Stupid Stuff yet! Plus, Adam getting coolness lessons from The Fonz, and Patrick's first ever, very R-rated concert. Small Stupid Stuff is in session!
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2025-12-091h 01Small Stupid Stuff with Adam Rose and Ryan EggoldCaleb Simpson Talks NYC vs LA StuffCaleb Simpson is Internet famous for asking strangers to tour their homes. Adam and Ryan show him around the podcast and get Caleb's craziest stories about flirting with Barbara from Shark Tank, giving an x-rated gift to Benny Blanco, and the difference between naked and hairless cats. Don't be shy, jump in bed with Small Stupid Stuff!
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2025-12-0248 min
The Mortgage GuyAre Mortgage Rates About To Drop? USDA Timeline update!🔐 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 borrowe...
2025-11-2607 minSmall Stupid Stuff with Adam Rose and Ryan EggoldRyan and Adam Talk Thanksgiving StuffAdam and Ryan reunite in NYC to talk turkey and Small Stupid Stuffing for a very special Thanksgiving episode! From the lack of Thanksgiving-specific music, to the deliciousness of sweet potato casserole, to turning gratitude into a competition, the guys dish out hilarious take after take! And for dessert, Ryan's gonna try his first Pumpkin Spice Latté!
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2025-11-2546 minSmall Stupid Stuff with Adam Rose and Ryan EggoldMichael Strassner Talks Air Travel StuffThe hilarious comedian and actor Michael Strassner (The Baltimorons) sits down in the middle seat between Adam and Ryan to talk about all things air travel, as well as how Michael made a movie with Jay Duplass! From banning babies on a red eye to whether it's OK to recline your seat, the guys have a hot take or a hot tip for every airplane situation. This episode is a smooth ride, so join the Small Stupid Stuff equivalent of the mile high club and take a listen!
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2025-11-1857 min
The Mortgage GuyFannie Mae Removes 620 Credit Score Requirement – What It Really Means for BuyersIn 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 alwa...
2025-11-1211 minSmall Stupid Stuff with Adam Rose and Ryan EggoldCharlotte McKinney Talks Funny StuffThe hilarious model and standup Charlotte McKinney joins Adam and Ryan to talk about what makes them laugh the hardest! From dad jokes to "low hanging fruit" to getting heckled, this episode has something funny for everyone... including you!
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2025-11-1151 min
The Mortgage GuyWhat the Fed Just Did (and How It Affects Your Mortgage)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...
2025-11-0509 minSmall Stupid Stuff with Adam Rose and Ryan EggoldRyan and Adam Talk Friendship StuffAdam and Ryan tell the hilarious story of their friendship, and swap stories about visiting Amsterdam, cutting class, and Katy Perry visiting their apartment back in the day. It's the friendliest episode of Small Stupid Stuff yet!
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2025-11-0454 minSmall Stupid Stuff with Adam Rose and Ryan EggoldSeanDoesMagic Talks Movie Etiquette StuffSean Sotaridona (SeanDoesMagic) joins Adam to talk about their upcoming Nickelodeon movie. Plus Sean talks about his first-ever magic trick, why he doesn't care about being late to the movie theatre, and why messing up can be magical!
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2025-10-2856 minSmall Stupid Stuff with Adam Rose and Ryan EggoldLonnie Marts Talks Mandela Effect StuffLonnie Marts (E! News) joins Adam and Ryan to talk about The Mandela Effect: that thing where we all remember something differently than how it actually was. From The Flintstones to Froot Loops to The Fruit of the Loom, this episode will shock you and have you questioning reality, and wondering how you ever believed the Monopoly Man wore a monocle.
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2025-10-2144 min
The Mortgage GuyHomebuyers Alert: USDA Shutdown Delays + New Tax Reassessment FixIn 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 yo...
2025-10-1507 minSmall Stupid Stuff with Adam Rose and Ryan EggoldMichelle Khare Talks Stupid Laws StuffMichelle Khare takes a break from her epic YouTube show "Challenge Accepted" to take on Adam and Ryan's challenge: explaining a bunch of the stupidest laws from around the globe! From wigs made of dog hair to eating fried chicken with a fork, this episode has a little small stupid stuff for everyone!
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2025-10-1456 minSmall Stupid Stuff with Adam Rose and Ryan EggoldBrent Morin Talks Hot Takes StuffHilarious comedian Brent Morin joins Adam and Ryan for an episode full of the hottest takes around. From swimsuit mesh to off-leash dogs to pineapple on pizza, Brent has an offbeat and funny thought for every topic! Plus Adam drops knowledge on the microwave (how do they work?!), Ryan wonders if "stuffies" sounds too sexual, and more!
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2025-10-0750 min
The Mortgage GuyRefinancing Made Simple: Lower Payments, Tap Equity & Save MoreJoin 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...
2025-10-0112 minSmall Stupid Stuff with Adam Rose and Ryan EggoldAlex Breckenridge Talks Driving StuffAlex Breckenridge (Virgin River, This Is Us, American Horror Story) joins Ryan and Adam to chat about driving. What city has the worst drivers? Is it ok to Facetime and drive? And what do you do if you see someone with a skeleton in the carpool lane? Plus... Ryan and Alex are gonna be in a Christmas movie together?!
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2025-09-3058 minSmall Stupid Stuff with Adam Rose and Ryan EggoldJocko Sims Talks Gym StuffJocko Sims (New Amsterdam, How To Die Alone) joins Ryan and Adam to talk about health and fitness related small stupid stuff! Ryan tells his story of asking someone out at the gym, Adam spills the (redacted) name of an A-lister who loves to workout in jeans, and... does Jocko own a shakeweight?! All that and more on the smallest stupidest episode of the podcast yet!
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2025-09-2347 minSmall Stupid Stuff with Adam Rose and Ryan EggoldKeith Habersberger Talks Restaurant StuffKeith Habersberger (Try Guys) joins Adam and Ryan to talk about restaurant etiquette, how to order the perfect burger, and eating the whole menu at Cheesecake Factory. The Small Stupid guys cover all the small stupid (and spicy) stuff related to food, tipping, and dining out pet peeves.
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2025-09-1651 minSmall Stupid Stuff with Adam Rose and Ryan EggoldAmbyr Childers Talks Coffee StuffAmbyr Childers (You, Ray Donovan) joins Ryan and Adam to chat about the etiquette behind going on multiple dates in one day, "sturdy" TikTok dance trends, and how drinking six cups of coffee is good for ADHD... until it's not.
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2025-09-0950 minSmall Stupid Stuff with Adam Rose and Ryan EggoldIntroducing Small Stupid Stuff with Adam Rose and Ryan EggoldSmall Stupid Stuff is a new podcast debating minutia in culture while trying to extrapolate the larger lessons in an attempt to figure out some of life’s most important questions like… To ghost or not to ghost... Drake or Kendrick... is cereal soup? Everyone feels some type of way about all these stupid little debates that mean so much to us. So let’s talk about it. Learn more about your ad choices. Visit podcastchoices.com/adchoices
2025-09-0201 min
The Mortgage GuyStarting from Zero: Building Credit for Your First Home LoanIn 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 authorized user How Experian Boost can save you money on closing costs USDA & FHA guidelines for borrowers with no or...
2025-08-2010 min
The Mortgage GuyMortgage Market Moves: Fed Decision, OHFA Shifts & Buyer Prep Tips!🔔 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-Approval Tips: Importance of being "ready" — credit, savings, and job stability — to position yourself to act quickly. Qualify Strategies for Thin Income or Credit Profiles: Tips on budget planning, boosting DTI, and OHFA qualification guidance. 💡 Why You Should Watch Packed with current-rat...
2025-08-0609 min
The Mortgage GuySelf-Employed? Building Soon? These Loan Programs Will Change EverythingIn 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 builds ✔️ What to know if you've recently gone self-employed ✔️ How to avoid costly mistakes when building on your own land 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301
2025-07-2312 min
The Mortgage Guy🏠 Ohio Down Payment Assistance Just Changed – Don't Miss Out!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: ✅ Updated OFA DPA amounts: 3.5% for FHA/VA/USDA, 3% for Conventional 🏡 New income limits for targeted vs. non-targeted areas 💥 How straight OFA offers sub-market interest rates 👮♀️ Special Ohio Heroes program for service workers 🕒 OFA turn time expectations & disclosure best practices ⚠️ Credit score & DTI ratio el...
2025-07-0910 min
Arkansas Law TalkEpisode 6: Trump's "Big Beautiful Bill", Diddy Trial, and Birthright CitizenshipIn this jam packed episode of Arkansas Law Talk, we discuss Trump's new bill that has recently passed the Senate, the Sean "Diddy" Combs trial verdict, and the recent Supreme Court Decision on birthright citizenship. Listen as we discuss all these topics and how they may impact us here in Arkansas. Hosted by Adam Rose and Mason Reynolds.
2025-07-0240 min
The Mortgage GuyWhy Are Homes Sitting Longer? Market Trends You Should KnowIn 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 mortgage rates, Treasury yields, and the Fed's outlook 👉 How listing quality is impacting buyer decisions in today's high-price market Whether you're a buyer, seller, or real estate pro...
2025-06-1106 min
The Mortgage Guy🎙️Market Update, Pre-Approval vs. Pre-Qualification + Special GuestIn this episode: * 📉 **Mortgage Market Update** – What's causing recent rate movement? Learn how Moody's U.S. credit downgrade has affected the 10-year Treasury yield and mortgage rates, now pushing past 7%. * ✅ **Pre-Approval vs. Pre-Qualification** – Understand the crucial difference between the two, when to choose each, and how they impact your homebuying power. * 🐶 **Special Guest Appearance** – Meet Gracie, Adam's son's service dog, making her debut in the office! Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301
2025-05-2807 min
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 #870301
2025-05-1406 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 #870301
2025-05-0106 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 #2403351
2025-02-1225 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#870301
2024-08-1407 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#870301
2024-08-0716 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#870301
2024-07-3109 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#870301
2024-07-2408 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#870301
2024-07-1010 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#870301
2024-07-0306 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#870301
2024-06-2609 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#870301
2024-06-1912 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#870301
2024-06-1224 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#870301
2024-05-1514 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 #563626
2024-05-0117 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#870301
2024-04-2407 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#870301
2024-03-2705 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#870301
2024-03-2017 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#286923
2024-03-1314 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#870301
2024-03-0612 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#870301
2024-02-2807 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#870301
2024-02-2107 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#870301
2024-02-1423 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#870301
2024-01-3124 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#870301
2024-01-2412 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#870301
2023-12-2011 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#870301
2023-12-1309 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#870301
2023-12-0606 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#870301
2023-11-2211 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#870301
2023-11-0819 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#870301
2023-11-0127 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#870301
2023-10-1807 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#870301
2023-10-1111 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#870301
2023-10-0411 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#870301
2023-09-2007 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#870301
2023-09-1312 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#870301
2023-08-3029 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#870301
2023-08-2320 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#870301
2023-08-0907 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#870301
2023-08-0206 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#870301
2023-07-2616 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#870301
2023-07-1914 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#870301
2023-07-1217 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#870301
2023-07-0521 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#870301
2023-06-2816 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#870301
2023-06-2115 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#870301
2023-06-0707 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#870301
2023-05-3115 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#870301
2023-05-2426 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#870301
2023-05-1720 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#870301
2023-05-1017 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#870301
2023-05-0318 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#870301
2023-04-2622 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#870301
2023-04-1920 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#870301
2023-04-1216 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#870301
2023-04-0517 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 minThe Mortgage GuyMortgage Application tips and tricks!Homebuyer Education Part 1! This is where Adam gives some pointers while you're completing the Uniform Residential Loan Application, or commonly called the URLA! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#870301
2023-03-2916 minThe Mortgage GuyGemcap Equity ManagementThis is where Adam has Ray Cline from Gemcap Equity Management discuss how bi-weekly payments can save you thousands! Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#870301
2023-03-2216 minThe Mortgage GuyWestern Ohio Mortgage OriginEpisode 2 - This is where you get to know our owner, Teresa and our beginnings. Western Ohio Mortgage MB#9601 Adam J. Rose NMLS#870301 Teresa M. Rose NMLS#286923
2023-03-0812 min
Rose Reviews112: ViceIn this episode of the Rose Reviews, I review the new Adam McKay film, Vice. This is a dark comedy biopic on Vice President Dick Cheney. Is this worth checking out? Listen and find out on this episode of the Rose Reviews!
2019-01-1306 minRose Reviews100: Rose Reviews Special 100th EpisodeIn this 100th special episode of the Rose Reviews we discuss our top 5 past favorite reviews and our top 5 most anticipated future reviews! Go give this new special episode a listen!
2018-11-0232 min