🏠 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 📧 arose@westernohiomortgage.com 🎧 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 📧 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 🎙️ 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 📧 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 • Mortgage Rates • Housing Market News • Home Buying Tips • First-Time Homebuyer Advice • Refinancing Strategies • Real Estate Investing • Ohio Mortgage Programs • Housing Market Forecasts