🔐 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 borrowers have had to switch programs to close on time, but not everyone has that option — so we'll continue to keep you updated.

📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: [email protected] 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

In 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 always, I'll share my honest take on how these changes really impact the market — and why sometimes, "approved" doesn't always mean "the best fit." 📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: [email protected] 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

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 Mortgage Guy 📞 Call: 937-497-9662 📧 Email: [email protected] 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

In 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 you fight inflated county assessments — at no cost to you If you're a borrower, homeowner, or local agent, this episode is packed with insight you'll want to hear. 📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: [email protected] 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

Join 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 rates. 📊 Loan Scenarios: Real-world examples of borrowers saving hundreds each month with the right refinance plan. Adam breaks down refi timing, benefits, and strategies so you can make an informed decision for your financial future. Considering a mortgage refinance? It's important to stay informed about current mortgage rates as they react to economic factors. With the talk of a fed rate cut, now might be a good time to refinance and secure lower interest rates. #refinance #mortgagerates #fedratecut #economy #mortgagerefinance 📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: [email protected] 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

📉 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

🔔 This Week on The Mortgage Guy Podcast This episode covers: 📉 Big news on Mortgage Insurance (MI): The MI premium tax deduction has been reinstated after expiring in 2021. This could mean hundreds to thousands of dollars in annual tax savings for homeowners with PMI, MIP, or USDA fees. 🏡 Program-by-Program Breakdown: What the deduction looks like for FHA, USDA, and Conventional loans. 💰 Smart Money Choices: Why it may make more sense to put less money down, keep cash reserves, and still benefit from the tax deduction. 📊 Market Updates: Thoughts on federal efforts to address housing inventory and what it could mean for buyers. Whether you're a first-time homebuyer, a seasoned homeowner, or just someone weighing the cost of mortgage insurance, this episode breaks down how to maximize the benefit of this deduction and what it means for affordability in today's market. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

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

🔔 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

In 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