We're back! Thanks for joining us for season three of Truth in Lending, the podcast for mortgage people, by mortgage people. After a couple months off, we've got the lights on and this time somebody is home. Today is May 10th, the long awaited day predicted by the infamous Barry Habib to be when rates would finally drop. Sorry Barry, as much as we'd like to this to be the case, we're just not seeing it. The fed hiked interest rates by .25 back on May 3rd and signaled a pause on hikes...for now. Are we headed in the right direction? Where do things go from here and what are our predictions? Tune in for some insight into soft credit pulls vs. hard credit pulls, a mindset pep-talk from the the multi-talented miss Katie Pelchar, and as always, your weekly mortgage news update.