In this episode of Work Hard, Play Hard, and Give Back, Mike Litzner sits down with Scott Rosenberg of CrossCountry Mortgage, a mortgage professional with 35 years of experience navigating every type of market cycle.

Scott breaks down today's mortgage landscape with clarity and candor from why Fed rate cuts don t always translate to lower mortgage rates, to the real differences between pre-approvals and commitment letters, rate locks, VA loans, first-time buyer programs, and jumbo financing.

He also shares practical advice for agents on strengthening offers, reducing deal risk, and educating buyers for smoother closings. The conversation goes beyond numbers, touching on ethics, long-term financial responsibility, market misconceptions, and the importance of doing right by clients even when it means saying no. If you re a real estate agent, buyer, or industry professional looking for real-world mortgage insight without the noise, this episode delivers real advice you can use.

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