Mortgage Costs Are Changing | Here's What It Means For You

Описание: 🔔 This Week on The Mortgage Guy Podcast

In this episode, Adam Rose, Vice President and Senior Loan Officer with Western Ohio Mortgage, breaks down several major developments impacting today’s housing and mortgage markets.

🏡 Real Estate & Agent Trends
New research from Zillow reveals a major shift in how home sellers are finding real estate agents. While word-of-mouth once dominated, 36% of sellers now find their agent online, more than doubling since 2018. Adam explains what this means for agents, digital presence, Google reviews, and consumer behavior.

💳 Rising Credit Report Costs
Credit reporting fees are increasing dramatically heading into 2026, with reported hikes of 40–50%. Adam explains why this is not lender greed, how these costs impact both consumers and lenders, and why the industry is pushing back. He also shares comments from Bill Pulte, Director of the Federal Housing Finance Agency, regarding growing scrutiny of credit bureau pricing strategies.

📉 Mortgage Rates & MBS Market Update
The episode closes with a major announcement: a proposed $200 billion mortgage-backed securities purchase plan involving Fannie Mae and Freddie Mac. Adam explains how renewed MBS buying could improve yield spreads, increase liquidity, and potentially drive mortgage rates lower in the near term.

🎧 Topics Covered

Digital shift in real estate agent discovery

Zillow consumer research insights

Credit bureau cost increases and industry impact

FHFA and Bill Pulte’s response

Mortgage-backed securities and rate movement

What this means for buyers, sellers, and lenders

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📞 Questions about buying a home or improving your mortgage readiness?
Reach out to the team at Western Ohio Mortgage—we’re happy to help.

📲 Contact Adam Rose
Western Ohio Mortgage MB #9601
Adam J. Rose NMLS #870301
📞 937-497-9662
📧 [email protected]

🌐 www.westernohiomortgage.com

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