In this episode Matt sits down with Ayaz Rahemanji, branch manager at First Home Mortgage and one of Maryland's most trusted mortgage experts. Ayaz shares insider tips from his $1.5B career in lending, explaining how to navigate rate shopping, bridge loans, 401(k) strategies, and when (and why) to refinance. Together, they unpack the realities behind buying a home — from what really matters in a mortgage pre-approval to how trigger leads work, and why choosing the right lender can make or break your deal.