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 📧 arose@westernohiomortgage.com 🌐 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 📧 arose@westernohiomortgage.com 🌐 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