Todd Veinotte and Clinton Wilkins discuss the current state of the mortgage market, highlighting the busy spring real estate season and the impact of interest rates. Clinton notes that interest rates are trending downward but are influenced by various factors, including federal government policies and inflation. He emphasizes the importance of building long-term relationships with clients and providing personalized advice rather than just offering the lowest rates. Clinton also stresses the value of consistent advice and the importance of being proactive in addressing financial issues.