Dwayne Stein from Mortgage Gumbo joined the show to discuss a 40% year-over-year jump in mortgage applications, steady interest rates, and the potential impact of the new Vantage 4.0 credit scoring model—which pulls data from all three bureaus and could expand access to homeownership. They explored how credit, rates, and property values are influencing different types of buyers and what it all means for the future of lending. Gregory also broke down current market conditions, including the effects of tariffs and the possibility of future rate cuts from the Federal Reserve, pointing to signs of economic resilience despite volatility. Looking ahead to 2025, he outlined key tax changes: a new $15,750 standard deduction for individuals, a $6,000 bonus for seniors 65+, a temporary $40,000 SALT deduction cap for those earning under $500K, and a $2,200 Child Tax Credit increase. Other updates include no taxes on tips or overtime up to $25,000 for singles and $50,000 for couples, a permanent $750,000 limit on mortgage interest deductions, and the return of charitable deductions for non-itemizers in 2026. Whether you’re buying a home, adjusting your investments, or planning for future tax changes, this anniversary episode delivers smart strategies and timely updates to help you stay ahead.