🔔 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-rate insights, actionable homebuyer preparation advice, and timing considerations to lock in better loan options in today's mortgage market. 📲 Need Help? Reach out to Western Ohio Mortgage or your lender to confirm OFA eligibility or to update your pre-approval. 📲 Contact Adam Rose 📞 937-497-9662 📧 [email protected] 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301