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(Note: Show changed from Brokers & Brews to Cup of Joe.) In this episode, we meet virtually with Pallavi Abbott from Direct Home Mortgage.  Pallavi got her start in the industry by feeling mistreated from her first mortgage experience buying a home in the US.  She brings information about mortgage forbearance, credit scores and why interest rates fluctuated so greatly until the Fed and Government stepped in. We discuss a bit about how family is being impacted with the COVID-19 pandemic back in India along with it's impact on our current economy. Pallavi is a wealth of knowledge, well researched and provides a lot of value to the industry. The mortgage world should be thankful she joined.