🔔 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 shift in how home sellers are finding real estate agents. While word-of-mouth once dominated, 36% of sellers now find their agent online, more than doubling since 2018. Adam explains what this means for agents, digital presence, Google reviews, and consumer behavior. 💳 Rising Credit Report Costs Credit reporting fees are increasing dramatically heading into 2026, with reported hikes of 40–50%. Adam explains why this is not lender greed, how these costs impact both consumers and lenders, and why the industry is pushing back. He also shares comments from Bill Pulte, Director of the Federal Housing Finance Agency, regarding growing scrutiny of credit bureau pricing strategies. 📉 Mortgage Rates & MBS Market Update The episode closes with a major announcement: a proposed $200 billion mortgage-backed securities purchase plan involving Fannie Mae and Freddie Mac. Adam explains how renewed MBS buying could improve yield spreads, increase liquidity, and potentially drive mortgage rates lower in the near term. 🎧 Topics Covered Digital shift in real estate agent discovery Zillow consumer research insights Credit bureau cost increases and industry impact FHFA and Bill Pulte's response Mortgage-backed securities and rate movement What this means for buyers, sellers, and lenders 👉 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

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 renters build zero equity, while homeowners can create significant net worth through principal paydown, appreciation, and stable mortgage payments. Adam also explains when renting makes sense, when buying is the better financial decision, and why time in the market matters more than timing the market. In this episode, you'll learn: Rent vs buy explained with real numbers Renting vs owning over a 10-year period Why rent payments build no equity How homeownership builds long-term wealth How fixed mortgage payments help protect against inflation When renting makes sense based on life stage and career How home equity can be used as a financial safety net If you're asking "Should I rent or buy?", this episode gives you the clarity and financial framework to make a confident decision. 👉 Watch Part 1 for the full cost breakdown 👉 Subscribe for weekly mortgage, housing market, and home-buying insights 📞 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

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 the monthly payment is lower—but when you zoom out, renting can be the most expensive housing decision over time. In this episode, Adam reframes homeownership as a financial investment, not an emotional or moral decision, and explains why time in the market matters more than timing the market. In Part 1, Adam covers: A 10-year cost breakdown of renting vs. owning How rent payments build zero equity Why rising rents matter more than people realize How principal paydown starts building wealth Why monthly payment alone is the wrong metric Part 2 will continue the conversation by expanding on ownership scenarios, market considerations, and how home equity can be leveraged over time. This episode is ideal for: ✔ Renters debating whether to buy ✔ First-time homebuyers ✔ Anyone concerned about interest rates or home prices ✔ Consumers focused on long-term financial stability If you're asking yourself, "Should I rent or buy right now?"—this two-part series will help you think clearly about housing as a long-term financial decision. 📞 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