Paul, Frank and Steve begin the show by discussing the economy and interest rates (0:00), January real estate numbers (6:00), and down payments becoming more affordable (10:41). After the break, a listener phones-in to ask about banks lending money on land (14:32) and another listener calls-in to ask about title insurance (18:24). Then, the guys converse about why you need to REALLY buy a house right now (22:30), increases in pre-approvals as well as why buyers aren’t qualifying (29:57). To end the show, the guys talk about 5-year fixed mortgages and other rates (35:02), commercial mortgages (38:12), and whether people should sell right now (40:03).