DON'T believe all the headlines you read about the recently announced loan level price adjustments (LLPAs). You should NOT take the advice of your favorite new reader or TickToc realtor suggesting that you should tank your credit to get better rates!! This is NOT true!! I briefly discuss the LLPAs (which were implemented in early January) to try and change the narrative on this incorrectly reported spin. As realtors, lenders, and homebuyers, we should instead focus on the positives the adjustments will have for homebuyers--especially first time home buyers! Amy Sault, realtor with Custom Home Realty, joins me to discuss our stories (personal and clients) of how buying "young" can have long-lasting benefits.  We discuss strategies and tips that first time homebuyers can use in a competitive market.