All episodes are recordings of our live web broadcasts so at times the audio quality is..."less than perfect".  In this episode we continue breaking down these two great programs.  Gabriel uses a mortgage industry four letter word.  We discuss the amount you pay for rent in Utah vs mortgage payment.  There are income restrictions?  Gabriel also answers the question of whether or not these programs require all borrower be "first time homebuyers"?  Jason Allen NMLS #292198, Gabriel Romero NMLS #861301