Frank and Steve are joined by Josh from Paul Rushforth Real Estate, and they start the show by conversing about interest rates going down (1:42), November real estate numbers (6:45), and mortgages that are maturing this year (9:08). After the break, the guys talk about grumpy sellers and happy buyers (12:11), real estate and mortgage help from the government (14:20), and first-time homebuyers, foreign investors and lenders (19:34). Then, the gang discuss short term mortgages and the importance of getting a second mortgage opinion (22:31), issues occurring with new home builds (28:46), vacant home tax and the government wanting to know your financials (29:33). To end the show, the guys converse about buying condos vs. homes (35:10), customer research before buying a home and being pre-approved (41:00).