In 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 thin credit

Whether you're starting from zero or helping someone establish credit, this episode offers simple, actionable steps to boost your financial readiness.

🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301