Frank and Steve are joined by Dora from Paul Rushforth Real Estate and start the show by conversing about people holding off on Christmas spending (0:45), government mortgage stress test “relief” (2:01), lump sum payments without penalty (8:00), and being proactive vs. reactive in real estate and mortgages (10:50). After the break, the gang talk about potential real estate price and interest rate forecast (13:32). Then, the gang discuss November being a slower month in real estate (21:44), open houses (24:28), and rule changes for multiple offers (29:22). To end the show, the gang converse about 6-month mortgages (35:41), as well as fixed and variable rates (36:54).