What type of mortgage should you get with the current interest rates? Keith Gumbinger from HSH.com shares how interest rates are impacting the mortgages home buyers are qualifying for and why they may need a 30% increase in income to qualify for the same loan they would have been able to get last year. Las Vegas REALTOR® Linda Rheinberger shares how home buyers can utilize down payment assistance programs, temporary buydowns, or adjustable-rate mortgages to get the house they thought they were shut out of purchasing. Also, Virginia REALTOR® Peter Crouch discusses whether it’s a good idea to pay off that mortgage early. And is a clover lawn HOT or not? What about decks with an orange-tone stain? Melissa Dittmann Tracey lets us know.