About Ose
Ose Omigie is a seasoned professional in the financial industry, bringing a wealth of experience. Armed with dual bachelor’s degrees in Business Management and Human Resource Management, Ose possesses a unique blend of skills that set her apart. Known for her personalized approach, Ose adds a personal touch to each client interaction, ensuring that every individual receives tailored guidance and support throughout their financial journey. With a commitment to excellence and a deep understanding of business and human resources, Ose is dedicated to helping clients achieve their financial goals with care and expertise.
Licensed in FL
Free guides from Ose
First-Time Buyer Guide
Why own, the 7-step path, the document checklist and the do’s and don’ts — read it here, no download.
Where to find Ose
Ose works out of our Coral Springs, FL – Demaria office. Branch NMLS #2413681.
What clients say about Ose
14 client reviews
Verified client reviews via Experience.com
The communication flowed seamlessly and the entire process was handled professionally.
Ose was a pleasure to work with. Her professionalism and patience is impeccable.
Exceptional experience.
Excellent experience. Perfect communication. Very solution oriented. The whole group was the same. Very helpful. Couldn’t have asked for an easier process.
Ose was very knowledgeable an effective communicator and provided great service.
Very respectful & guide us through the whole process pleasantly. The best of the best.
Ose is very diligent and informative. She had great communication with us and went above and beyond to make sure that we were satisfied clients throughout the whole process.
Ose is the greatest loan officer!! She had excellent communication throughout our entire process and she went above and beyond to make sure that we were able to close on our house, A++++++ experience!!
Ose with Fairway was an absolute pleasure to work with. From beginning to end communication was prompt and efficient. I highly recommend Ose and her team!
It was such a pleasure working with Ose! She was extremely responsive, professional, and diligent. She was always there to explain anything and everything to. She truly cares about her clients and it shows through her work!
Good service and an understanding of the product
I was introduced to Ose by one of my clients who was buying a home. As a real estate agent, I’ve work with a variety of lenders. Ose is one of the best!! She was an absolute pleasure to work with and was so fully invested in helping our mutual client successfully buy a home. She was also extremely accessible, which is very important for my clients who sometimes need access to their lender over the weekend while shopping for a home. She was so organized, resourceful and so very pleasant in every situation. She truly cares about her clients, and it shows!! Would love to work with her again!!
It was a pleasure working with Ose. This was my first home for my family and Ose was helping us all the way. She was easy to talk to, friendly, and has the patience to explain everything when we were not sure about things. Just a single phone call and she's there to explain everything. A true professional. For anyone who is looking to buy a house, especially a first time home buyer, Ose is the person to go to. Thanks Ose
Ose is incredibly knowledgeable about the mortgage industry. She knows how to navigate the mortgage process to ensure when a problem arises, it will be taken care of quickly and early so there are no surprises at the closing table. You can tell she's passionate about her work by how she'll go way above and beyond to make sure everything is going smoothly. Would definitely recommend.
Latest market updates
The latest PCE inflation report came in cooler than expected, giving both stocks and bonds a boost. Headline inflation rose just 0.3% for the month, while the year-over-year rate fell from 3.7% to 3.4%, better than forecasts. Core inflation, which excludes food and energy, increased only 0.2% and declined from 3.3% to 3.0% annually.
The softer inflation data could reduce pressure on the Federal Reserve to raise rates immediately. New York Fed President John Williams indicated there is no urgency to act following September’s rate hike, although he still expects another increase may be needed later this year.
One area of concern is consumer finances. The savings rate dropped from 4.6% to 4.1%, its lowest level in four years, suggesting consumers continue to spend while saving less.
The inflation report was encouraging for financial markets and showed meaningful progress toward lower inflation, which could help ease some of the upward pressure on interest rates if the trend continues.
Source: MBS Highway
The housing market is shifting in buyers’ favor as more homes become available and competition eases. Redfin reported that,“Sellers outnumbered buyers by 58% in August, the biggest gap in Redfin’s records, driven by a surge in listings and stagnant demand”.
This is the widest gap since Redfin began tracking in 2013. Also interesting is that housing supply reached its highest level in more than a decade, giving buyers more choices and negotiating power.
Affordability remains a challenge, with mortgage rates around 7% and the median existing-home price rising 1.6% year over year. Pending sales and mortgage applications have declined, as high costs and economic uncertainty keep some buyers on the sidelines. Many homeowners are also hesitant to trade their existing low mortgage rates for higher ones.
In some markets, homes are taking longer to sell, prompting sellers to adjust prices and increase marketing efforts. Buyers with substantial cash or home equity are especially well positioned, although the overall sales pace through August remained largely unchanged from last year.
For buyers who are financially ready, greater selection and less competition offer an encouraging opportunity to find a home that fits their needs and budget.
The Federal Reserve raised its benchmark interest rate by 0.25 percentage points, bringing the target range to 3.75%–4.00%. The Fed made the move because they feel that inflation remains elevated, while consumer spending, business investment and the labor market continue to show resilience. Higher rates are intended to slow demand and help return inflation to the Fed’s 2% goal.
Although the Fed does not directly set mortgage rates, its decisions influence the bond market and investors’ inflation expectations. When the Fed hikes rates it can be seen as deflationary since it makes borrowing money more expensive and slows down the movement of money. Bond investors’ arch enemy is inflation so a push from the Fed to fight inflation can garner more attention from investors to purchase more bonds which would help mortgage rates decrease. However, the comments following the policy change put pressure on the bond market since Fed Chair Warsh’s comments were seen as “thin” and he also mentioned inflation is still hanging around.
If inflation cools and the Fed wins the trust of the markets by continuing to fight inflation, we could see rates have a chance to improve, but if the opposite occurs rates could continue their trend and increase more. Oil is also a large factor and if we can get it to drop in price it could also assist mortgage rates to improve.
Source : Federal Reserve
