In today’s episode, Reuben and Tessa engage in an insightful conversation with mortgage expert Mike Louden from Mortgage Avenue. The episode centers on the nuances of the real estate landscape, encompassing mortgage rates and homeownership. Louden stresses the role of advisor over loan officer, drawing from his extensive experience since 1994 and his dedication to guiding clients through the mortgage process. The conversation explores crafting personalized mortgage deals, considering aspects beyond interest rates such as the impact of high demand on rising home prices. The concept of prioritizing the right home over interest rates is discussed, underlining the significance of informed decisions aligned with personal financial goals. Notably, concerns about online mortgage services are raised, emphasizing the value of expert guidance in making sound decisions. The episode concludes by highlighting the necessity of comprehensive understanding and professional advice in navigating the real estate market for long-term financial security and wealth accumulation through property ownership.