In this week’s episode of The Mortgage Guy Podcast, we break down how the government shutdown is impacting the USDA loan program, and why this matters for buyers and agents in rural areas. We’ll also dive into a new service we’re rolling out to help homeowners challenge recent property tax reassessments — especially in counties like Logan and Champaign where values have jumped significantly. We’ll cover: What happens when USDA stops issuing conditional commitments Why November 4th is a key deadline (and how the housing ratio change could affect approvals) And how our new property tax appeal service can help you fight inflated county assessments — at no cost to you If you’re a borrower, homeowner, or local agent, this episode is packed with insight you’ll want to hear. 📲 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

📉 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