Is now really a good time to buy or refinance? Have mortgage companies eased back on their very strict underwriting guidelines for credit scores? Did you hear about the new Fannie Mae “ready Buyer Education Program”, that could result in up to $4500 in savings to a buyer? Nicole Lambros, Branch Manager of Academy Mortgage and “highly regarded mortgage expert” Did you know that Financial Planning is More than just investments? Anne Schwab, Certified Financial Planner and Author of the new book, “Money Matters Made Simple”