🏠 UAD 3.6 appraisal changes are coming. Homebuyers, Realtors, and mortgage professionals should prepare for changes to home appraisals, including potentially higher costs and longer appraisal turn times. In this episode of The Mortgage Guy Podcast, Adam Rose of Western Ohio Mortgage explains UAD 3.6 (Uniform Appraisal Dataset), how the new appraisal reporting system works, and what these mortgage appraisal changes could mean for homebuyers, Realtors, lenders, and appraisers. The mortgage industry is moving away from traditional appraisal forms toward a more standardized, data-driven appraisal report. The goal is cleaner property data, more consistent appraisal reporting, easier analysis, and greater use of technology and automation throughout the mortgage process. But the transition to UAD 3.6 could also create challenges. Adam discusses concerns he's hearing about appraisal software, the appraiser learning curve, longer turnaround times, and potentially higher appraisal fees. He also explains why Realtors may need to reconsider aggressive contract and closing timelines as the industry makes the transition. 🏡 In This Episode: ✅ What is UAD 3.6? ✅ UAD 3.6 appraisal changes explained ✅ Why home appraisals are changing ✅ How the new appraisal reports will work ✅ Why traditional appraisal forms are changing ✅ Potential increases in appraisal costs ✅ Why appraisal turnaround times could increase ✅ How appraisal delays could affect closing dates ✅ What Realtors should know about contract timelines ✅ How AI and automation are changing mortgage appraisals ✅ What homebuyers should expect from the new appraisal process For homebuyers, the biggest takeaway is to prepare for possible changes in appraisal costs and timelines. For Realtors, appraisal turnaround times could become increasingly important when negotiating closing dates and writing shorter contracts. For mortgage lenders and appraisers, UAD 3.6 represents a significant change in how appraisal information is collected, reported, reviewed, and analyzed. If you're buying a home, refinancing, selling real estate, or working in the mortgage or real estate industry, this episode will help you understand UAD 3.6 and the upcoming home appraisal changes. 👇 Connect With Western Ohio Mortgage 🌐 Website: westernohiomortgage.com 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 [email protected] 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102 #UAD36 #HomeAppraisal #Mortgage #RealEstate #HomeBuying

What an incredible few days at the 2026 Ohio Mortgage Bankers Association (OMBA) Convention! In this special episode of The Mortgage Guy Podcast, we're taking a look back at the largest OMBA Convention in the organization's history. More than 230 mortgage professionals from across Ohio and around the country gathered in Columbus for three days of education, networking, collaboration, and discussions about the future of the mortgage industry. As President of the Ohio Mortgage Bankers Association, Adam Rose reflects on the tremendous success of this year's convention, thanks the volunteers, sponsors, speakers, exhibitors, and attendees who made it possible, and shares why events like this are so important for the future of homeownership and the mortgage profession. Throughout this slideshow, you'll see highlights from: Keynote speakers and industry experts Educational breakout sessions Technology showcases Networking events Industry partners and sponsors The people who continue moving Ohio's mortgage industry forward Topics discussed throughout the convention included artificial intelligence in mortgage lending, compliance, affordable housing, construction lending, leadership development, recruiting the next generation of mortgage professionals, and strengthening relationships that help more families achieve homeownership. While technology continues to evolve, one message stood out throughout the convention: relationships remain at the heart of the mortgage business. A sincere thank you to everyone who attended and helped make this year's OMBA Convention the biggest and most successful in our organization's history. We can't wait to see what's in store for next year! 👇 Connect With Western Ohio Mortgage 🌐 Website: https://www.westernohiomortgage.com 🎙️ Subscribe on YouTube for weekly episodes 📲 Available on Spotify & Apple Podcasts 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 Questions about buying a home or improving your mortgage readiness? Reach out to the team at Western Ohio Mortgage—we're happy to help. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 [email protected] 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102 🎙️ Subscribe to The Mortgage Guy Podcast for weekly discussions on mortgage lending, home buying, real estate, housing market updates, and the future of the mortgage industry. #OMBA #OhioMortgageBankersAssociation #MortgageIndustry #MortgageLending #MortgageProfessional #OhioMortgage #WesternOhioMortgage #TheMortgageGuyPodcast #Homeownership #RealEstate #MortgageConference #MortgageEducation

Will the housing market crash in 2026? Are mortgage rates going down? Should you buy a house now or wait? In this housing market update, Adam Rose breaks down home prices, mortgage rates, housing inventory, and whether a housing bubble is forming. In this episode of The Mortgage Guy Podcast, Adam Rose, President & Senior Loan Officer at Western Ohio Mortgage, breaks down the current housing market and answers one of the most common questions from homebuyers: "Should I wait for a housing crash before buying a home?" With affordability challenges, elevated mortgage rates, rising rents, and ongoing economic uncertainty, many buyers are sitting on the sidelines waiting for the perfect opportunity. But history shows that trying to time the real estate market can be costly. In This Episode: ✅ Will the housing market crash in 2026? ✅ Is there a housing bubble today? ✅ Why the 2026 housing market is different from 2008 ✅ Current mortgage rate trends and forecasts ✅ Housing inventory shortages and supply-demand issues ✅ The real cost of waiting to buy a home ✅ Why home prices may continue rising ✅ Should first-time homebuyers buy now or wait? ✅ The impact of refinancing when rates eventually fall ✅ National housing market vs. local real estate markets 00:00 Introduction 01:12 Is a Housing Market Crash Coming? 03:45 Why 2026 Isn't 2008 08:10 Housing Inventory Explained 12:20 Supply vs Demand 16:05 The Cost of Waiting 20:40 Real-Life Buyer Example 24:30 National vs Local Housing Markets 28:15 Should You Buy Now or Wait? 31:00 Final Thoughts Adam also explains why many experts don't expect a repeat of the 2008 housing crash and why today's lending standards, inventory levels, and buyer demand create a very different market environment. Whether you're a first-time homebuyer, move-up buyer, investor, or homeowner considering your next move, this episode will help you understand today's housing market and make a more informed decision. 👇 Connect With Western Ohio Mortgage 🌐 Website: https://www.westernohiomortgage.com 🎙️ Subscribe on YouTube for weekly episodes 📲 Available on Spotify & Apple Podcasts 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 Questions about buying a home or improving your mortgage readiness? Reach out to the team at Western Ohio Mortgage—we're happy to help. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 [email protected] 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102 • Mortgage Rates • Housing Market News • Home Buying Tips • First-Time Homebuyer Advice • Refinancing Strategies • Real Estate Investing • Ohio Mortgage Programs • Housing Market Forecasts

Adam Rose, Vice President & Senior Loan Officer at Western Ohio Mortgage and current President of the Ohio Mortgage Bankers Association (OMBA), breaks down everything coming to the 2026 OMBA Convention — and why this may be the biggest mortgage industry event Ohio has ever hosted. From high-level mortgage industry strategy and political advocacy to AI, recruiting, leadership, sales, operations, and technology, this year's convention is built differently. Instead of traditional "sit and listen" sessions, attendees will experience collaborative breakout discussions designed to help mortgage professionals actually implement ideas and grow their business. In this episode, Adam covers: ✅ 2026 OMBA Convention details (June 14–16) ✅ Why attendance is expected to exceed 200+ mortgage professionals ✅ Featured speakers including Bill Cosgrove (Union Home Mortgage) ✅ National MBA CEO Bob Broeksmit attending Ohio's convention ✅ Maurice Clarett keynote on resilience & reinvention ✅ Mortgage industry political updates and advocacy efforts ✅ AI, credit, recruiting, leadership & operational breakout sessions ✅ Tech demos from mortgage technology companies ✅ Adam's new 90-Day Loan Officer Onboarding & Success Plan ✅ Recruiting opportunities at Western Ohio Mortgage Whether you're a loan officer, branch manager, broker, mortgage banker, realtor, operations leader, or industry executive — this episode gives you insight into where the mortgage industry is heading and how top producers are adapting. 📍 Register for the OMBA Convention 📍 Learn how Western Ohio Mortgage is helping LOs grow production 📍 Subscribe for weekly mortgage market updates, mortgage news, rates, housing insights, and loan officer success strategies. 👇 Connect With Western Ohio Mortgage 🌐 Website: https://www.westernohiomortgage.com 🎙️ Subscribe on YouTube for weekly episodes 📲 Available on Spotify & Apple Podcasts 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 Questions about buying a home or improving your mortgage readiness? Reach out to the team at Western Ohio Mortgage—we're happy to help. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 [email protected] 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102 #Mortgage #LoanOfficer #MortgageIndustry #OhioMortgageBankers #OMBA #MortgageBroker #RealEstate #HousingMarket #InterestRates #MortgageRates #AIInMortgage #MortgageLeadership #LoanOfficerTraining #WesternOhioMortgage #MortgagePodcast #Recruiting #MortgageSales #HousingNews #OhioRealEstate #MortgageBanking

Adam Rose, VP & Senior Loan Officer at Western Ohio Mortgage, just returned from the Mortgage Bankers Association's National Advocacy conference in Washington DC — and he's breaking it all down for you. In this episode, Adam covers: ✅ Why the Fed is now expected to make zero rate cuts in 2026 ✅ How ongoing conflict and oil futures are pushing inflation back toward 4% ✅ What the Road to Legislation housing bill means for buyers, renters, and investors ✅ The push to increase FHA multifamily loan limits (unchanged since 2003!) ✅ Adam's personal proposal to reform FHA financing — reducing costs, payments, AND default rates ✅ Current mortgage rate reality: what 6–7% actually looks like right now Whether you're a first-time homebuyer, real estate investor, or mortgage professional, this episode gives you a rare inside look at how housing policy actually gets made — and what's coming next. 🏡 Spring market is active. Contracts are flying. Don't wait on rates. 💡 Bottom Line: Even with higher rates, the market is still moving. Buyers are adapting, inventory is active, and major policy changes could reshape affordability in the near future. 📞 Thinking About Buying or Refinancing? Let's build a game plan tailored to you. 🌐 https://www.westernohiomortgage.com 📱 Call/Text: 937-497-9662 🎯 Subscribe for Weekly Mortgage Updates, Housing Market Insights & Homebuying Tips! 👍 Like | 💬 Comment | 🔔 Turn on Notifications 📢 Follow for More Mortgage Content: Facebook: TheMortgageGuy24 TikTok: @the_mtg_guy #MortgageRates #HousingMarket2026 #Inflation #FederalReserve #RealEstateMarket #HomeBuying #MortgageNews #FHA #VAHomeLoan #FirstTimeHomeBuyer #InterestRates #MortgageGuy #OhioRealEstate #RealEstateInvesting #MortgageTips Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

Mortgage rates update, trigger leads ban, housing market update, and mortgage rate forecast for 2026. In this episode of The Mortgage Guy Podcast, Adam Rose from Western Ohio Mortgage explains the end of mortgage trigger leads, what it means for homebuyers, and how the change affects the mortgage industry. For years, trigger leads from credit bureaus like Experian, Equifax, and TransUnion caused homebuyers to receive dozens of calls after a mortgage credit pull. Now the trigger lead practice has officially ended, which is a major win for consumers and mortgage lenders. Adam also breaks down the current mortgage rate environment, the Federal Reserve interest rate outlook, and why experts still expect 2–3 rate cuts in 2026. If you're watching the housing market, mortgage interest rates, or planning to buy a home, this episode explains what's happening right now. You'll also hear Adam discuss spring housing market trends, rising inventory levels, and why getting pre-approved for a mortgage is still one of the most important steps when buying a home. (Plus a special appearance from Gracie 🐶) ✔ Trigger Leads Officially Banned – What it means for borrowers ✔ Mortgage Rates Update – Where rates are today ✔ Federal Reserve Outlook – Possible rate cuts in 2026 ✔ Housing Market Trends – Spring market inventory increasing ✔ Why Pre-Approval Is Still Critical for Homebuyers ✔ Ohio housing policy updates and affordability discussions If you're planning to buy a home, refinance, or simply want to stay informed about the housing market, this episode is packed with valuable insight. 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 Questions about buying a home or improving your mortgage readiness? Reach out to the team at Western Ohio Mortgage—we're happy to help. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 [email protected] 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102

Adam Rose, Vice President & Senior Loan Officer at Western Ohio Mortgage, breaks down the full lineup of mortgage products available right now — and why there's no such thing as a one-size-fits-all loan. Whether you're a first-time buyer, seasoned investor, veteran, homeowner looking to renovate, or someone navigating self-employment income, this episode is your complete mortgage program refresher. Adam walks through: ✅ VA Loans – 0% down, no monthly PMI, competitive rates, and potential funding fee waivers for eligible veterans ✅ USDA Loans – 0% down options for rural areas like Shelby, Logan, Auglaize & surrounding counties ✅ FHA Loans – Flexible credit and DTI guidelines with 3.5% down ✅ Conventional Loans – As low as 3% down, risk-based PMI, and flexible property standards ✅ HomeReady & Home Possible – 3% down options with reduced PMI for qualifying borrowers ✅ Down Payment Assistance Programs – Including OHFA and other local solutions ✅ Renovation Loans – VA Reno, FHA 203K, USDA Reno, and Conventional Homestyle ✅ New Construction Financing – Two-time close structure with competitive out-of-pocket requirements ✅ Bridge Loans – Leverage equity to go non-contingent ✅ HELOCs – Primary, second home, and investment property options ✅ Reverse Mortgages (62+) ✅ Non-QM Loans – Bank statement, DSCR, ITIN, and 1099 programs Plus, Adam explains how Western Ohio Mortgage goes beyond just the loan — offering insurance connections, title fee savings, biweekly payment setup options, and even ADT discounts to make your homeownership journey seamless. 🎯 Bottom line: There isn't one perfect mortgage — there's the right mortgage for you. 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 Questions about buying a home or improving your mortgage readiness? Reach out to the team at Western Ohio Mortgage—we're happy to help. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 [email protected] 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102

In this episode of The Mortgage Guy Podcast, Adam Rose—Vice President & Senior Loan Officer at Western Ohio Mortgage—delivers a concise mortgage market update, breaking down where interest rates, housing inventory, and buyer activity stand as we head into the spring market. Mortgage rates remain flat following the latest Fed meeting, with no immediate rate cuts expected. Adam explains how a weaker U.S. dollar, rising gold and silver prices, and upcoming jobs data could influence inflation and future rate movement. Fannie Mae and Freddie Mac continue projecting rates trending into the low 5% range later this year, depending on economic conditions. 🏡 Spring housing market outlook: Homes are taking slightly longer to sell, but well-priced, updated properties in strong locations are still moving quickly. Adam explains what buyers and sellers should expect in March, April, and the 2026 spring housing season, including the possibility of additional price adjustments. ⚖️ Major mortgage industry news: This episode covers a new class-action lawsuit filed against Rocket Mortgage, led by the same legal team involved in the 2024 NAR settlement. Topics include: Mortgage and real estate referral network models Potential RESPA compliance violations How referral fees may impact consumer interest rates and closing costs Possible ripple effects for Zillow, USAA, and other large platforms 🎓 Mortgage professionals: Adam also announces the Ohio Mortgage Bankers Association Future Leaders Program, beginning March 3rd. The program includes live virtual sessions, national industry speakers, and an in-person Day at the Ohio Statehouse focused on advocacy, ethics, and consumer protection. This episode is essential viewing for homebuyers, homeowners, real estate agents, and mortgage professionals looking to stay ahead of market trends and regulatory changes. 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 Questions about buying a home or improving your mortgage readiness? Reach out to the team at Western Ohio Mortgage—we're happy to help. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 [email protected] 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102

🔔 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 explains why this is not lender greed, how these costs impact both consumers and lenders, and why the industry is pushing back. He also shares comments from Bill Pulte, Director of the Federal Housing Finance Agency, regarding growing scrutiny of credit bureau pricing strategies. 📉 Mortgage Rates & MBS Market Update The episode closes with a major announcement: a proposed $200 billion mortgage-backed securities purchase plan involving Fannie Mae and Freddie Mac. Adam explains how renewed MBS buying could improve yield spreads, increase liquidity, and potentially drive mortgage rates lower in the near term. 🎧 Topics Covered Digital shift in real estate agent discovery Zillow consumer research insights Credit bureau cost increases and industry impact FHFA and Bill Pulte's response Mortgage-backed securities and rate movement What this means for buyers, sellers, and lenders 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 Questions about buying a home or improving your mortgage readiness? Reach out to the team at Western Ohio Mortgage—we're happy to help. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 [email protected] 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102

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 buy explained with real numbers Renting vs owning over a 10-year period Why rent payments build no equity How homeownership builds long-term wealth How fixed mortgage payments help protect against inflation When renting makes sense based on life stage and career How home equity can be used as a financial safety net If you're asking "Should I rent or buy?", this episode gives you the clarity and financial framework to make a confident decision. 👉 Watch Part 1 for the full cost breakdown 👉 Subscribe for weekly mortgage, housing market, and home-buying insights 📞 Questions about buying a home or improving your mortgage readiness? Reach out to the team at Western Ohio Mortgage—we're happy to help. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 [email protected] 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102