Jason Roth Union Capital Mortgage

09/15/2026

Home prices are only part of the equation. Let’s find the payment that actually fits your budget.

Mortgage rates and everyday expenses have gone up, but that doesn’t automatically mean buying a home is off the table. The key is working backward from a monthly payment you’re comfortable with. I can help you compare:

Different price ranges
Down payment options
FHA, VA and conventional financing
Available assistance programs
Seller-paid closing costs or rate buydowns

There’s no pressure to buy. We’ll simply figure out what makes sense based on your numbers.

Reach out anytime to start the path to your new home.

Jason Roth - NMLS 1704941
Loan Advisor
614-313-5749

08/26/2026

Are you a self-employed borrower, a real estate investor looking to build a portfolio, or a 1099 contractor?

If so, you may be getting declined or talked out of applying for a mortgage because “the tax returns don’t show enough income for traditional home financing.” Did you know there are other options for you that offer responsible, risk-based loans for buying or refinancing a home when the borrower falls outside traditional lending?

The first step is to take a look at whether you fit within traditional lending based on your tax returns. If not, I’ll help you find the right program for you.

If you are self-employed, let’s talk!

Jason Roth
NMLS 1704941
614-313-5749

07/03/2026

Rates crept higher through the week ending July 3, 2026, as markets continued to anticipate potential Fed rate hikes this year. Union Capital Mortgage is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

06/29/2026

Have you recently received a notice that your Franklin County property value has increased?

If so, don't be surprised if your mortgage payment increases over the next year, even if your interest rate hasn't changed.

Here's why:

Your new property value may result in higher property taxes.

Property taxes are paid in arrears, which means your escrow account has been collecting based on the previous tax amount. When the new tax bill arrives, your escrow account may not have enough money to cover the increase.

If that happens, your mortgage servicer will typically:
✅ Adjust your monthly escrow payment to cover the higher property taxes going forward.
✅ Collect additional money each month to repay the temporary escrow shortage.

This means your payment can increase for two reasons at the same time:
• Higher property taxes.
• Repayment of the escrow shortage.

The good news is that once the shortage has been repaid, that portion of your payment will drop off. You'll continue paying the new amount needed for your updated property taxes, but the extra payment to make up the shortage is temporary.

If you've received a new property value notice or an escrow analysis and you're not sure what it means, I'd be happy to review it with you and explain it. There's no cost and no obligation.

Feel free to send me a message anytime.

Jason Roth NMLS 1704941
Loan Advisor
Union Capital Mortgage
614-313-5739

06/26/2026

After moving higher early in the week ending June 26, 2026, rates shifted lower as oil prices continued to fall. Union Capital Mortgage is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

06/19/2026

Rates showed little volatility and ended flat overall during the week ending June 19, 2026, despite Fed signals of policy rate hikes to come. Union Capital Mortgage is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

06/12/2026

Rates moved higher during the week ending June 12, 2026, after data showed increases in both wholesale and consumer inflation. Union Capital Mortgage is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

06/05/2026

Rates were flat during the week ending June 5, 2026, as peace talks in the Middle East continued to drag on with no new progress. Union Capital Mortgage is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

05/29/2026

Rates improved during the week ending May 29, 2026, as markets anticipated a peace deal. Union Capital Mortgage is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

05/22/2026

Rates crept higher during the week ending May 22, 2026, as inflation fears continued to drive up bond yields globally. Union Capital Mortgage is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.