A quick market update on USDA loans — including the newly increased income limits that could open doors for more buyers! ✅ What’s happening with interest rates — will we finally see those long-awaited cuts? ✅ Event announcements — including: • July 14: CE class on Reconsiderations of Value & Appraisal Bias (FREE for MORE members!) • Sept 22: OMBA Golf Outing at Tartan Fields ⛳

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.

In this episode: * 📉 **Mortgage Market Update** – What's causing recent rate movement? Learn how Moody’s U.S. credit downgrade has affected the 10-year Treasury yield and mortgage rates, now pushing past 7%. * ✅ **Pre-Approval vs. Pre-Qualification** – Understand the crucial difference between the two, when to choose each, and how they impact your homebuying power. * 🐶 **Special Guest Appearance** – Meet Gracie, Adam’s son's service dog, making her debut in the office!

Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301