What an incredible few days at the 2026 Ohio Mortgage Bankers Association (OMBA) Convention! In this special episode of The Mortgage Guy Podcast, we're taking a look back at the largest OMBA Convention in the organization's history. More than 230 mortgage professionals from across Ohio and around the country gathered in Columbus for three days of education, networking, collaboration, and discussions about the future of the mortgage industry. As President of the Ohio Mortgage Bankers Association, Adam Rose reflects on the tremendous success of this year's convention, thanks the volunteers, sponsors, speakers, exhibitors, and attendees who made it possible, and shares why events like this are so important for the future of homeownership and the mortgage profession. Throughout this slideshow, you'll see highlights from: Keynote speakers and industry experts Educational breakout sessions Technology showcases Networking events Industry partners and sponsors The people who continue moving Ohio's mortgage industry forward Topics discussed throughout the convention included artificial intelligence in mortgage lending, compliance, affordable housing, construction lending, leadership development, recruiting the next generation of mortgage professionals, and strengthening relationships that help more families achieve homeownership. While technology continues to evolve, one message stood out throughout the convention: relationships remain at the heart of the mortgage business. A sincere thank you to everyone who attended and helped make this year's OMBA Convention the biggest and most successful in our organization's history. We can't wait to see what's in store for next year! 👇 Connect With Western Ohio Mortgage 🌐 Website: https://www.westernohiomortgage.com 🎙️ Subscribe on YouTube for weekly episodes 📲 Available on Spotify & Apple Podcasts 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 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 📧 arose@westernohiomortgage.com 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102 🎙️ Subscribe to The Mortgage Guy Podcast for weekly discussions on mortgage lending, home buying, real estate, housing market updates, and the future of the mortgage industry. #OMBA #OhioMortgageBankersAssociation #MortgageIndustry #MortgageLending #MortgageProfessional #OhioMortgage #WesternOhioMortgage #TheMortgageGuyPodcast #Homeownership #RealEstate #MortgageConference #MortgageEducation

Will the housing market crash in 2026? Are mortgage rates going down? Should you buy a house now or wait? In this housing market update, Adam Rose breaks down home prices, mortgage rates, housing inventory, and whether a housing bubble is forming. In this episode of The Mortgage Guy Podcast, Adam Rose, President & Senior Loan Officer at Western Ohio Mortgage, breaks down the current housing market and answers one of the most common questions from homebuyers: "Should I wait for a housing crash before buying a home?" With affordability challenges, elevated mortgage rates, rising rents, and ongoing economic uncertainty, many buyers are sitting on the sidelines waiting for the perfect opportunity. But history shows that trying to time the real estate market can be costly. In This Episode: ✅ Will the housing market crash in 2026? ✅ Is there a housing bubble today? ✅ Why the 2026 housing market is different from 2008 ✅ Current mortgage rate trends and forecasts ✅ Housing inventory shortages and supply-demand issues ✅ The real cost of waiting to buy a home ✅ Why home prices may continue rising ✅ Should first-time homebuyers buy now or wait? ✅ The impact of refinancing when rates eventually fall ✅ National housing market vs. local real estate markets 00:00 Introduction 01:12 Is a Housing Market Crash Coming? 03:45 Why 2026 Isn't 2008 08:10 Housing Inventory Explained 12:20 Supply vs Demand 16:05 The Cost of Waiting 20:40 Real-Life Buyer Example 24:30 National vs Local Housing Markets 28:15 Should You Buy Now or Wait? 31:00 Final Thoughts Adam also explains why many experts don't expect a repeat of the 2008 housing crash and why today's lending standards, inventory levels, and buyer demand create a very different market environment. Whether you're a first-time homebuyer, move-up buyer, investor, or homeowner considering your next move, this episode will help you understand today's housing market and make a more informed decision. 👇 Connect With Western Ohio Mortgage 🌐 Website: https://www.westernohiomortgage.com 🎙️ Subscribe on YouTube for weekly episodes 📲 Available on Spotify & Apple Podcasts 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 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 📧 arose@westernohiomortgage.com 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102 • Mortgage Rates • Housing Market News • Home Buying Tips • First-Time Homebuyer Advice • Refinancing Strategies • Real Estate Investing • Ohio Mortgage Programs • Housing Market Forecasts

Adam Rose, Vice President & Senior Loan Officer at Western Ohio Mortgage and current President of the Ohio Mortgage Bankers Association (OMBA), breaks down everything coming to the 2026 OMBA Convention — and why this may be the biggest mortgage industry event Ohio has ever hosted. From high-level mortgage industry strategy and political advocacy to AI, recruiting, leadership, sales, operations, and technology, this year's convention is built differently. Instead of traditional "sit and listen" sessions, attendees will experience collaborative breakout discussions designed to help mortgage professionals actually implement ideas and grow their business. In this episode, Adam covers: ✅ 2026 OMBA Convention details (June 14–16) ✅ Why attendance is expected to exceed 200+ mortgage professionals ✅ Featured speakers including Bill Cosgrove (Union Home Mortgage) ✅ National MBA CEO Bob Broeksmit attending Ohio's convention ✅ Maurice Clarett keynote on resilience & reinvention ✅ Mortgage industry political updates and advocacy efforts ✅ AI, credit, recruiting, leadership & operational breakout sessions ✅ Tech demos from mortgage technology companies ✅ Adam's new 90-Day Loan Officer Onboarding & Success Plan ✅ Recruiting opportunities at Western Ohio Mortgage Whether you're a loan officer, branch manager, broker, mortgage banker, realtor, operations leader, or industry executive — this episode gives you insight into where the mortgage industry is heading and how top producers are adapting. 📍 Register for the OMBA Convention 📍 Learn how Western Ohio Mortgage is helping LOs grow production 📍 Subscribe for weekly mortgage market updates, mortgage news, rates, housing insights, and loan officer success strategies. 👇 Connect With Western Ohio Mortgage 🌐 Website: https://www.westernohiomortgage.com 🎙️ Subscribe on YouTube for weekly episodes 📲 Available on Spotify & Apple Podcasts 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 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 📧 arose@westernohiomortgage.com 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102 #Mortgage #LoanOfficer #MortgageIndustry #OhioMortgageBankers #OMBA #MortgageBroker #RealEstate #HousingMarket #InterestRates #MortgageRates #AIInMortgage #MortgageLeadership #LoanOfficerTraining #WesternOhioMortgage #MortgagePodcast #Recruiting #MortgageSales #HousingNews #OhioRealEstate #MortgageBanking