Ward Kerlin from GMH Mortgage Services is our guest this week. Some of the topics we discussed are as follows. Current interest rates and why we should care(good news!). The reason why it's great to consult a lender What is the current state of the market? Debunk the 20% down rule for buying a home. The second part of the conversation revolved around a loan offered by the PHFA that is not talked about as frequently as conventional, USDA, VA or FHA loans.