📉 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 Fannie Mae and Freddie Mac could go public in 2025—possibly one of the largest IPOs in history. I’ll break down what that means for taxpayers, lenders, and borrowers. ⚠️ Foreclosure Trends: Foreclosure activity has risen for six straight months. I’ll explain why communication and early action are critical if you’re in financial trouble—and why selling may be smarter than going through foreclosure. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

🔔 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. 🏡 Program-by-Program Breakdown: What the deduction looks like for FHA, USDA, and Conventional loans. 💰 Smart Money Choices: Why it may make more sense to put less money down, keep cash reserves, and still benefit from the tax deduction. 📊 Market Updates: Thoughts on federal efforts to address housing inventory and what it could mean for buyers. Whether you’re a first-time homebuyer, a seasoned homeowner, or just someone weighing the cost of mortgage insurance, this episode breaks down how to maximize the benefit of this deduction and what it means for affordability in today’s market. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

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 the mortgage process

• How secured credit cards can establish a score

• The pros and cons of becoming an authorized user

• How Experian Boost can save you money on closing costs

• USDA & FHA guidelines for borrowers with no or thin credit

Whether you’re starting from zero or helping someone establish credit, this episode offers simple, actionable steps to boost your financial readiness.

🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301