In this episode of The Mortgage Guy Podcast, Adam Rose breaks down the latest real estate trends—starting with a major shift: U.S. housing inventory has topped 1 million listings for the first time since before the pandemic.

Adam covers:
👉 A national housing market update
👉 Signs of a shift toward a buyer’s market
👉 Why more homes are sitting longer, despite record inventory
👉 The latest on mortgage rates, Treasury yields, and the Fed’s outlook
👉 How listing quality is impacting buyer decisions in today’s high-price market

Whether you're a buyer, seller, or real estate pro, this episode offers valuable insights you won't want to miss.

In this episode: * 📉 **Mortgage Market Update** – What's causing recent rate movement? Learn how Moody’s U.S. credit downgrade has affected the 10-year Treasury yield and mortgage rates, now pushing past 7%. * ✅ **Pre-Approval vs. Pre-Qualification** – Understand the crucial difference between the two, when to choose each, and how they impact your homebuying power. * 🐶 **Special Guest Appearance** – Meet Gracie, Adam’s son's service dog, making her debut in the office!

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

📢 In this episode, Adam Rose, Vice President and Senior Loan Officer at Western Ohio Mortgage, shares key updates from the Ohio Mortgage Bankers Association—including his recent induction as OMBA President—and what it means for Ohio’s housing future.

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