Exciting Show!: “Interest Rates have fallen in the 3’s again!!” Should I re-finance again now? How much do rates have to drop for a refi? Loan Approval Issues. Underwriting continues to be tougher than ever in the last 15 years. What do you need to do, to be prepared when applying for a mortgage? How do help buyers and sellers understand what determines the price? There’s more than one way to purchase a home…. Chicagoland’s top Loan Officer, Jeff Baker from ChicagoLoanCoach.com, and Tom Cunningham, Re/Max Action’s top Realtor!