In this episode, we had a chat with Ryan Grant.  Ryan has been working in the mortgage industry for 15 years and has been ranked among the top 50 Mortgage Consultants in America each year since 2013.  Dan and Ryan discussed how they love their industries, but also find it distasteful that the industries are being marketed as commodities.  Tim asked about mortgage refinancing and whether the interest rate will continue to drop - Ryan's answer is: possibly yes.  With the high demand for refinancing and high risk for more job losses and overall economic decline, the interest rate may not be at its lowest point.  Nathaniel asked Ryan's opinion on the landlords for commercial real estate not being able to collect rent due to COVID-19.  Tim mentioned people's concerns about home value dropping, and Ryan explained why that's not likely.  Unlike post-2008, millennials are now at the right age to buy real estate,  and baby boomers are ready to downsize which creates insanely high demand.  Dan and Ryan introduced the app "Art of Home Ownership", which "provides a suite of valuable services, at no cost, designed to help current and prospective homeowners take more control of their real estate."