Jonathan, your mortgage guy. Interest rates remain at historic lows and the extremely hot seller’s market is resulting in multiple offers on most every listing. Buyers need to develop a strategy to make their offer standout. I use my Total Cost Analysis to help my clients see the impact of different scenarios so they feel comfortable making an aggressive offer if needed to win the deal. Steve is buying his first home. He was unsure how different down payment scenarios and different purchase prices would impact his budget. My Total Cost Analysis showed him how he could conserve cash of almost $10,000 and make an offer that was accepted by the seller. When your friends or relatives tell you they are interested in taking advantage of the low interest rates to buy their first home or next home, tell them you got a “Mortgage Guy” you will introduce them to. They will appreciate that you care enough to get them great advice.