# Starting from Zero: Building Credit for Your First Home Loan

Page: https://stenobird.com/podcast/the-mortgage-guy-6318482/starting-from-zero-building-credit-for-your-first-home-loan
Text version: https://stenobird.com/podcast/the-mortgage-guy-6318482/starting-from-zero-building-credit-for-your-first-home-loan.md
Podcast: [The Mortgage Guy](https://stenobird.com/podcast/the-mortgage-guy-6318482)
Published: 2025-08-20T12:00:00+00:00
Episode link: https://31fbe698-ace8-4bec-8d18-b8ef57d40af9.libsyn.com/starting-from-zero-building-credit-for-your-first-home-loan
Audio file: https://traffic.libsyn.com/secure/31fbe698-ace8-4bec-8d18-b8ef57d40af9/Ep._102_OPUS.mp3?dest-id=3914595
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JSON: https://stenobird.com/v1/public/podcasts/the-mortgage-guy-6318482/episodes/starting-from-zero-building-credit-for-your-first-home-loan
Duration seconds: 636

## Resource

In this episode of The Mortgage Guy Podcast , Adam Rose, Vice President and Senior Loan Officer at Western Ohio Mortgage, breaks down how to build credit from scratch — a key step for younger buyers who want to skip renting and move straight into homeownership. You'll learn: Why credit matters in the mortgage process How secured credit cards can establish a score The pros and cons of becoming an authorized user How Experian Boost can save you money on closing costs USDA & FHA guidelines for borrowers with no or thin credit Whether you're starting from zero or helping someone establish credit, this episode offers simple, actionable steps to boost your financial readiness. 🏡 Licensed in OH, IN, MI, KY, TN & FL 💼 Western Ohio Mortgage MB #9601 💼 Adam J. Rose NMLS #870301

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## Transcript

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