⚠️ **Heads up for non-permanent residents** — FHA and USDA loans will now require lawful permanent residency (green card holders). Conventional (Fannie Mae/Freddie Mac) hasn’t followed suit *yet*, but it’s likely coming. 📆 If you're currently shopping and relying on FHA, **May 24th** is your deadline to be under contract and secure a case number before the change fully kicks in.

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In this episode of The Mortgage Guy Podcast, we welcome back Aaron Barker, a professional sales and leadership coach at Southwestern Coaching. Aaron brings a unique approach to coaching, helping professionals redefine their mindset, regain motivation, and achieve both success and work-life balance. 🔹 What We Cover: ✅ How shifting your mindset can change your career & personal life ✅ The difference between a calendar vs. schedule—and why it matters ✅ How to create aligned goals that truly move you forward ✅ Measuring work-life balance & success beyond numbers ✅ Why vision & purpose should be the foundation of your business

Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

In this episode of The Mortgage Guy Podcast, we’re covering: 📉 Mortgage rate updates – What’s driving recent changes? 🏛️ Legislative updates – Highlights from Ohio’s Capitol & upcoming Homebuyer Summit. 💰 Tariffs & inflation – How will they impact housing affordability? 📊 Treasury bonds & national debt – Why do they matter for mortgage rates?

Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

The housing supply crisis, rising property taxes, and hedge fund real estate investments are major concerns for homebuyers, sellers, and real estate professionals. In this episode of The Mortgage Guy Podcast, I break down what’s happening behind the scenes after meeting with legislators at the Ohio Mortgage Bankers Association’s Day at the Capitol.

Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

In this episode of The Mortgage Guy Podcast, Adam Rose sits down with Jim Luana, a new loan officer at Western Ohio Mortgage Company (WOMC). Jim shares his experience stepping into the mortgage industry, what he's learned so far, and the challenges and opportunities that come with being a new loan officer.

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🏡 Thinking about buying a home that needs some repairs? The USDA Repair Escrow program could be a great solution! In this episode of The Mortgage Guy Podcast, we break down how it works and why it's becoming more relevant in today's market.

Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

In this episode of The Mortgage Guy Podcast, we’re breaking down everything you need to know about appraisals—one of the most critical (and often misunderstood) parts of the homebuying process. Here’s what we cover: ✅ Why appraisals are so important to lenders and how they’re scrutinized by Fannie Mae, Freddie Mac, and other agencies. ✅ Common sticking points with appraisals for buyers, sellers, and realtors. ✅ Unacceptable appraisal practices: How comps, property conditions, and neighborhood factors impact valuation. ✅ Why some appraisals come in lower than expected and what options you have when this happens. ✅ How appraisers’ decisions affect their licensing, lenders, and the overall mortgage process.

Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

Medical Debt No Longer Reported: Starting in 2025, medical collection debt will no longer appear on credit reports. This means: Improved credit scores for many borrowers. Easier mortgage approval for buyers previously impacted by medical collections.

Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301