{"podcast":{"title":"The Mortgage Guy","slug":"the-mortgage-guy-6318482","podcast_index_feed_id":6318482,"rss_url":"https://feeds.libsyn.com/463644/rss","website_url":"https://sites.libsyn.com/463644","image_url":"https://static.libsyn.com/p/assets/9/f/9/4/9f946685abd092b688c4a68c3ddbc4f2/the_mortgage_guy_733_1400.1400.jpg","author":"Adam Rose","episode_count":118,"summary":"Welcome to The Mortgage Guy podcast hosted by Adam Rose! Join us as we explore topics ranging from mortgages and real estate to supporting small businesses. Stay tuned for insightful discussions and valuable tips!","last_synced_at":"2026-07-02T02:18:53.003256+00:00","page_url":"https://stenobird.com/podcast/the-mortgage-guy-6318482"},"episode":{"title":"Mortgage Market Moves: Fed Decision, OHFA Shifts & Buyer Prep Tips!","slug":"mortgage-market-moves-fed-decision-ohfa-shifts-buyer-prep-tips","published_at":"2025-08-06T15:42:00+00:00","page_url":"https://stenobird.com/podcast/the-mortgage-guy-6318482/mortgage-market-moves-fed-decision-ohfa-shifts-buyer-prep-tips","show_page_url":"https://stenobird.com/podcast/the-mortgage-guy-6318482","url":"https://31fbe698-ace8-4bec-8d18-b8ef57d40af9.libsyn.com/mortgage-market-moves-fed-decision-ohfa-shifts-buyer-prep-tips","audio_url":"https://traffic.libsyn.com/secure/31fbe698-ace8-4bec-8d18-b8ef57d40af9/Ep._101_3.mp3?dest-id=3914595","summary":"🔔 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","meta_description":"🔔 Episode Highlights Federal Reserve Update: No rate cut yet, but a small pause is expected around September. OHFA/Down Payment Assistance News: Changes e…","key_points":[],"chapters":[],"topics":[],"duration_seconds":579,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-mortgage-guy-6318482/episodes/mortgage-market-moves-fed-decision-ohfa-shifts-buyer-prep-tips/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-mortgage-guy-6318482/mortgage-market-moves-fed-decision-ohfa-shifts-buyer-prep-tips.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}