What do home buyers really know about the home buying process?  For example, down payment and closing cost are two separate expenses, yet some buyers are unprepared.  And -- What are the biggest stressors for first-time home buyers?  Other than limited inventory and a fast-paced housing market, buyers have many other concerns.  We have answers for you!  They're on this episode of The Real Estate Roundtable with Century 21 Jack Ruddy Real Estate.