The Truth in Lending Act is meant to help borrowers understand the cost of credit. In a mortgage transaction, the practical takeaway is simple: do not focus only on the advertised interest rate. Review the disclosures, ask questions, and compare the full
Apr 14, 2026 | Purchasing a Home
Reviewed by Adam J. Rose, VP / Senior Loan Officer, NMLS #870301 Adam J. Rose is Vice President / Senior Loan Officer at Western Ohio Mortgage. Ohio LO License: LO.040068.001 | Direct: 937-497-9662 | Email: arose@westernohiomortgage.com If you are buying
Apr 12, 2026 | Purchasing a Home Conventional Loans Refinancing a Home
Many prospective homebuyers begin their search with a simple question: how much home can I realistically afford? If you earn around $70,000 per year, the answer depends on several financial factors beyond income alone. Mortgage lenders evaluate affordabil
Apr 09, 2026 | Purchasing a Home
VA loans can be one of the strongest mortgage options available to eligible Veterans, active-duty service members, and certain surviving spouses. The benefit can help with buying, building, improving, or refinancing a home, but the right option depends o
Apr 07, 2026 | VA Loans
Home equity can feel like a practical way to help pay for college, but it should be reviewed carefully. Borrowing against your home may create a different payment, a longer repayment timeline, closing costs, and risk if the new payment becomes hard to ma
Apr 02, 2026 |
You can sell a house that has a home equity loan or HELOC, but the lien usually has to be paid off at closing. The title company, lender, and closing team will need accurate payoff information so the sale can transfer cleanly.\nWestern Ohio Mortgage ofte
Mar 31, 2026 |