Introducing Melissa Schwartz with Movement Mortgage and Brett Clark with Main Street Home Loans.2:55 - Mortgage lending it today's environment5:40 - Different types of home loans10:05 - First time homebuyer obstacles12:00 - Is the housing bubble going to burst and are the rates going to go up?16:08 - Advice for buyers in today's market20:50-  Tips for those considering purchasing a home in 2021