Big Mortgage Update: Trigger Leads Eliminated & Where Rates Are Heading

Mortgage rates update, trigger leads ban, housing market update, and mortgage rate forecast for 2026. In this episode of The Mortgage Guy Podcast, Adam Rose from Western Ohio Mortgage explains the end of mortgage trigger leads, what it means for homebuyers, and how the change affects the mortgage industry. For years, trigger leads from credit bureaus like Experian, Equifax, and TransUnion caused homebuyers to receive dozens of calls after a mortgage credit pull. Now the trigger lead practice has officially ended, which is a major win for consumers and mortgage lenders. Adam also breaks down the current mortgage rate environment, the Federal Reserve interest rate outlook, and why experts still expect 2–3 rate cuts in 2026. If you're watching the housing market, mortgage interest rates, or planning to buy a home, this episode explains what's happening right now. You'll also hear Adam discuss spring housing market trends, rising inventory levels, and why getting pre-approved for a mortgage is still one of the most important steps when buying a home. (Plus a special appearance from Gracie 🐶) ✔ Trigger Leads Officially Banned – What it means for borrowers ✔ Mortgage Rates Update – Where rates are today ✔ Federal Reserve Outlook – Possible rate cuts in 2026 ✔ Housing Market Trends – Spring market inventory increasing ✔ Why Pre-Approval Is Still Critical for Homebuyers ✔ Ohio housing policy updates and affordability discussions If you're planning to buy a home, refinance, or simply want to stay informed about the housing market, this episode is packed with valuable insight. 👉 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 📧 [e-mail] 🌐 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