{"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":"Starting from Zero: Building Credit for Your First Home Loan","slug":"starting-from-zero-building-credit-for-your-first-home-loan","published_at":"2025-08-20T12:00:00+00:00","page_url":"https://stenobird.com/podcast/the-mortgage-guy-6318482/starting-from-zero-building-credit-for-your-first-home-loan","show_page_url":"https://stenobird.com/podcast/the-mortgage-guy-6318482","url":"https://31fbe698-ace8-4bec-8d18-b8ef57d40af9.libsyn.com/starting-from-zero-building-credit-for-your-first-home-loan","audio_url":"https://traffic.libsyn.com/secure/31fbe698-ace8-4bec-8d18-b8ef57d40af9/Ep._102_OPUS.mp3?dest-id=3914595","summary":"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","meta_description":"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…","key_points":[],"chapters":[],"topics":[],"duration_seconds":636,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-mortgage-guy-6318482/episodes/starting-from-zero-building-credit-for-your-first-home-loan/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/starting-from-zero-building-credit-for-your-first-home-loan.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}