The industry is changing and it can be hard to keep track of where we are. Here’s a flyover look at what’s going on in the mortgage industry right now. The bottom line is this is a great time to be a seller, particularly in CA, but it is also a great time to be a buyer. First-time homebuyers can access down payment assistance programs and get out of the ever increasing rent situation. Move up buyers can still get historically low rates fro that home they intend to keep for many years. Luxury and high-end buyers have more loan programs available for the self-employed and more complex tax situations.