The Mortgage Guy

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

🔐 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 on setup. 📞 Here When You Need Us If you ever need advice — whether we're your lender or not — reach out. We're always happy to help guide you through any mortgage or real estate questions. 📊 Quick USDA Update USDA is still working through delays (currently reviewing 10/5 files), but we expect them to start catching up soon. In some cases borrowers have had to switch programs to close on time, but not everyone has that option — so we'll continue to keep you updated. 📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: arose@westernohiomortgage.com 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

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 refinancing really makes sense — and how to spot expensive "teaser" offers 🚫 RESPA compliance reminders — and what to avoid in co-marketing deals 🤝 Why relationship-based lending still wins in today's market Whether you're a homeowner, realtor, or loan officer, this episode will give you an honest look behind the curtain of the mortgage industry. 📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: arose@westernohiomortgage.com 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

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 thousands over the life of your loan. ⚡ Streamline Refinance Programs: VA IRRRL, FHA, and USDA streamlines that make refinancing easier and faster. 🏠 Cash-Out Refinancing: How to use your home equity to pay off high-interest credit cards, auto loans, or free up monthly cash flow. 📉 Rate Trends & Fed Updates: How recent Fed decisions and market speculation are affecting mortgage rates. 📊 Loan Scenarios: Real-world examples of borrowers saving hundreds each month with the right refinance plan. Adam breaks down refi timing, benefits, and strategies so you can make an informed decision for your financial future. Considering a mortgage refinance? It's important to stay informed about current mortgage rates as they react to economic factors. With the talk of a fed rate cut, now might be a good time to refinance and secure lower interest rates. #refinance #mortgagerates #fedratecut #economy #mortgagerefinance 📲 Contact Adam J. Rose – The Mortgage Guy 📞 Call: 937-497-9662 📧 Email: arose@westernohiomortgage.com 🌐 Visit: www.westernohiomortgage.com 🎧 Listen On: Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 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

🔔 Episode Highlights Federal Reserve Update: No rate cut yet, but a small pause is expected around September. OHFA/Down Payment Assistance News: Changes effective July 1 simplify OHFA programs—now at 3.5% for FHA/VA/USDA, and 3% for Conventional. Turn-Time Trends: Processing times have grown—from a few days to 10 days, and potentially climbing to 13–14 days due to high volume. Homebuyer Pre-Approval Tips: Importance of being "ready" — credit, savings, and job stability — to position yourself to act quickly. Qualify Strategies for Thin Income or Credit Profiles: Tips on budget planning, boosting DTI, and OHFA qualification guidance. 💡 Why You Should Watch Packed with current-rate insights, actionable homebuyer preparation advice, and timing considerations to lock in better loan options in today's mortgage market. 📲 Need Help? Reach out to Western Ohio Mortgage or your lender to confirm OFA eligibility or to update your pre-approval. 📲 Contact Adam Rose 📞 937-497-9662 📧 arose@westernohiomortgage.com 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly updates 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

In this episode of The Mortgage Guy Podcast, Adam breaks down the major July 1st updates to the OFA program (Ohio Housing Finance Agency) and how they impact homebuyers across Ohio. If you're a first-time homebuyer, an agent, or just exploring mortgage options in 2025, this episode covers everything from income limits to lower-than-market rates and turn-time warnings. 🔑 What You'll Learn: ✅ Updated OFA DPA amounts: 3.5% for FHA/VA/USDA, 3% for Conventional 🏡 New income limits for targeted vs. non-targeted areas 💥 How straight OFA offers sub-market interest rates 👮‍♀️ Special Ohio Heroes program for service workers 🕒 OFA turn time expectations & disclosure best practices ⚠️ Credit score & DTI ratio eligibility criteria 📞 Why you might want to re-check your pre-approval ASAP 📩 Questions or suggestions? Drop a comment or reach out directly: arose@westernohiomortgage.com 🏡 Connect with Western Ohio Mortgage 📍 733 Fair Rd., Sidney, OH 45365 📞 Office: 937-497-9662 Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

In this episode of The Mortgage Guy Podcast, Adam Rose breaks down the latest real estate trends—starting with a major shift: U.S. housing inventory has topped 1 million listings for the first time since before the pandemic. Adam covers: 👉 A national housing market update 👉 Signs of a shift toward a buyer's market 👉 Why more homes are sitting longer, despite record inventory 👉 The latest on mortgage rates, Treasury yields, and the Fed's outlook 👉 How listing quality is impacting buyer decisions in today's high-price market Whether you're a buyer, seller, or real estate pro, this episode offers valuable insights you won't want to miss.