Welcome back to The Mortgage Guy Podcast! In today’s episode, we’re tackling two key topics: a quick market update as we transition into 2025 and essential home safety tips for the winter travel season. 📌Here’s what you’ll learn: ✅The latest on mortgage rates: What happened in 2024, what to expect in 2025, and why rates aren’t moving much. ✅How to spot refinancing offers that actually make sense for your financial situation (and avoid common traps). ✅Practical tips to keep your home safe while traveling this winter, from smarter security upgrades to avoiding rookie mistakes like hiding spare keys.

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

Are you buying your first home? 🏠 Understanding the difference between emotional and logical home buying could save you from costly mistakes and buyer’s remorse! In this episode of The Mortgage Guy Podcast, we explore: ✅ How emotions drive up to 90% of home-buying decisions. ✅ Why emotional buyers are more likely to experience regret and move sooner. ✅ Tips for logical home buying: price analysis, ROI, and location factors. ✅ Real stories and strategies to help you make smarter decisions.

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

This episode is packed with tips to help you navigate the homebuying process during the holiday season and prepare for tax season:

➡️ Avoid New Credit: Learn why opening new credit lines like credit cards or using services like Klarna or Affirm can hurt your mortgage approval chances. Protect your credit score and debt-to-income ratio during this critical time.

➡️ Tax Season Prep: With tax season around the corner, find out why it’s essential to stay on top of your taxes. We also discuss how your tax refund can be a great source for a down payment on your dream home.

Whether you’re actively buying a home or planning ahead, this episode offers actionable advice to keep your finances on track.

🔔 Don’t forget to follow us for more mortgage insights and real estate tips!

📧 Have questions? Reach out at: arose@westernohiomortgage.com
📞 Office: 937-497-9662

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

Listen now and get one step closer to homeownership! 🏡💼