The Mortgage Guy
By Adam Rose
Categories: Business, Investing
Welcome to The Mortgage Guy podcast hosted by Adam Rose! Join us as we explore topics ranging from mortgages and real estate to supporting small businesses. Stay tuned for insightful discussions and valuable tips!
125 episodes indexed on PodSearch.
Recent episodes
- Mortgage Scams, Hidden Debts & Down Payment Assistance | Mortgage Rates 2026
🎙️ WE'RE BACK! THE MORTGAGE GUY PODCAST RETURNS! Catch up on the latest mortgage services insights in episode 125. We break down the updates you need to navigate the current market. In this episode, we sit down to discuss the current landscape of the mortgage industry. Whether you are a…
- UAD 3.6 Is Changing Home Appraisals—Here's What to Expect
🏠 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…
- Home Appraisal vs Home Inspection: What's the Difference?
Home appraisal vs home inspection—what's the difference? If you're buying a home, understanding the difference between a home appraisal and a home inspection can save you thousands. Learn what appraisers do, what home inspectors look for, what happens when an appraisal comes in low, and why every…
- Will AI Replace Mortgage Loan Officers? Here's the Truth!
🤖 Will AI Replace Mortgage Loan Officers? How Artificial Intelligence Is Changing the Mortgage Industry Artificial intelligence is transforming nearly every industry—but what does it mean for homebuyers, mortgage lenders, and the future of the mortgage process? In this episode of The Mortgage Guy…
- 2026 Ohio Mortgage Bankers Association (OMBA) Convention Highlights
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…
- Housing Market Crash 2026? The Truth About Home Prices & Mortgage Rates
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…
- OMBA 2026 Convention Preview | Biggest Ohio Mortgage Event Ever?
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…
- National Housing Update | Rates, Inflation & BIG Mortgage Changes Coming
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 ✅…
- Big Mortgage Update: Trigger Leads Eliminated & Where Rates Are Heading
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…
- Best Mortgage Programs for 2026 (VA, FHA, USDA, 3% Down Options)
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…
- Mortgage Rates Update: Spring Housing Market & Rocket Lawsuit Explained
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…
- Mortgage Costs Are Changing | Here's What It Means For You
🔔 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…
- Is Renting Really Cheaper? The 10-Year Rent vs Buy Breakdown (Part 2)
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…
- Is Renting Really Cheaper? The 10-Year Rent vs Buy Breakdown (Part 1)
Is renting really cheaper than buying a home? 🤔 In Part 1 of a 2-part series on The Mortgage Guy Podcast, Adam Rose breaks down a 10-year rent vs. buy reality check using real-world numbers to show how housing decisions impact long-term wealth. Many renters believe they're saving money because…
- Buying a Home in 2026? Avoid These Holiday Credit & Tax Mistakes
Mortgage advice for home buyers during the holidays. In this holiday episode of The Mortgage Guy Podcast, we break down holiday credit card mistakes, credit score impacts, tax refund planning, and smart steps to protect your ability to buy a home in the new year. As the holiday season comes to a…
- Will Rates Drop? Fed Update + D.R. Horton Lawsuit
🔔 This Week on The Mortgage Guy Podcast This episode covers: ⚖️ Major Industry Lawsuit: A new RICO suit filed against D.R. Horton and DHI Mortgage. Adam breaks down how the alleged use of vacant-lot tax values misled borrowers, why payments jumped by hundreds to thousands, and what this means for…
- Future of the OMBA: Insights from Adam Rose & Rich Swerbinsky
🎙️ This Week on The Mortgage Guy Podcast — Featuring Special Guest Rich Swerbinsky In this episode of The Mortgage Guy Podcast, Vice President and Senior Loan Officer Adam Rose welcomes Rich Swerbinsky, Executive Director of the OMBA and respected industry voice, for a deep dive into today's…
- Are Mortgage Rates About To Drop? USDA Timeline update!
🔐 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…
- Fannie Mae Removes 620 Credit Score Requirement – What It Really Means for Buyers
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…
- What the Fed Just Did (and How It Affects Your Mortgage)
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…
- Homebuyers Alert: USDA Shutdown Delays + New Tax Reassessment Fix
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…
- Refinancing Made Simple: Lower Payments, Tap Equity & Save More
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…
- Save Big on Refinancing + Fannie & Freddie IPO in 2025?
📉 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…
- PMI Isn't So Bad After All: Big Tax News for Homeowners
🔔 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. 🏡…
- Starting from Zero: Building Credit for Your First Home Loan
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…
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