Nicole Lambros the Top Loan Officer and Branch Manager of Academy Mortgage: “Buy or Rent?” and are you pre-qualified? or do you have My “Gold Standard Pre-Approval letter”? Erica Crohn Minchella, Chicagolands #1 Real Estate Attorney: “Do you know how to take title to your real estate purchase?” and “Is it different if you are married, single, divorced with children, or a senior?” “Do you need protection or do you desire flexibility?”