# National Housing Update | Rates, Inflation & BIG Mortgage Changes Coming

Page: https://stenobird.com/podcast/the-mortgage-guy-6318482/national-housing-update-rates-inflation-big-mortgage-changes-coming
Text version: https://stenobird.com/podcast/the-mortgage-guy-6318482/national-housing-update-rates-inflation-big-mortgage-changes-coming.md
Podcast: [The Mortgage Guy](https://stenobird.com/podcast/the-mortgage-guy-6318482)
Published: 2026-04-22T12:00:00+00:00
Episode link: https://31fbe698-ace8-4bec-8d18-b8ef57d40af9.libsyn.com/national-housing-update-rates-inflation-big-mortgage-changes-coming
Audio file: https://traffic.libsyn.com/secure/31fbe698-ace8-4bec-8d18-b8ef57d40af9/Ep._118_OPUS_hd.mp3?dest-id=3914595
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/the-mortgage-guy-6318482/episodes/national-housing-update-rates-inflation-big-mortgage-changes-coming
Duration seconds: 587

## Resource

Adam Rose, VP & Senior Loan Officer at Western Ohio Mortgage, just returned from the Mortgage Bankers Association's National Advocacy conference in Washington DC — and he's breaking it all down for you. In this episode, Adam covers: ✅ Why the Fed is now expected to make zero rate cuts in 2026 ✅ How ongoing conflict and oil futures are pushing inflation back toward 4% ✅ What the Road to Legislation housing bill means for buyers, renters, and investors ✅ The push to increase FHA multifamily loan limits (unchanged since 2003!) ✅ Adam's personal proposal to reform FHA financing — reducing costs, payments, AND default rates ✅ Current mortgage rate reality: what 6–7% actually looks like right now Whether you're a first-time homebuyer, real estate investor, or mortgage professional, this episode gives you a rare inside look at how housing policy actually gets made — and what's coming next. 🏡 Spring market is active. Contracts are flying. Don't wait on rates. 💡 Bottom Line: Even with higher rates, the market is still moving. Buyers are adapting, inventory is active, and major policy changes could reshape affordability in the near future. 📞 Thinking About Buying or Refinancing? Let's build a game plan tailored to you. 🌐 https://www.westernohiomortgage.com 📱 Call/Text: 937-497-9662 🎯 Subscribe for Weekly Mortgage Updates, Housing Market Insights & Homebuying Tips! 👍 Like | 💬 Comment | 🔔 Turn on Notifications 📢 Follow for More Mortgage Content: Facebook: TheMortgageGuy24 TikTok: @the_mtg_guy #MortgageRates #HousingMarket2026 #Inflation #FederalReserve #RealEstateMarket #HomeBuying #MortgageNews #FHA #VAHomeLoan #FirstTimeHomeBuyer #InterestRates #MortgageGuy #OhioRealEstate #RealEstateInvesting #MortgageTips Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/the-mortgage-guy-6318482/episodes/national-housing-update-rates-inflation-big-mortgage-changes-coming/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/the-mortgage-guy-6318482/national-housing-update-rates-inflation-big-mortgage-changes-coming.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.