📉 Refinance Opportunities: With recent rate drops, it may finally make sense to refinance—especially if you closed a loan in the last 18–24 months at a rate in the 7s. I'll share real examples of clients saving nearly $500/month. 🏦 Fannie & Freddie IPO Talk: The Commerce Secretary suggests that Fannie Mae and Freddie Mac could go public in 2025—possibly one of the largest IPOs in history. I'll break down what that means for taxpayers, lenders, and borrowers. ⚠️ Foreclosure Trends: Foreclosure activity has risen for six straight months. I'll explain why communication and early action are critical if you're in financial trouble—and why selling may be smarter than going through foreclosure. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301