Interest rates are up and buying a home can seem daunting. Doug Crouse with BMO Bank talks about ways to plan now for the future if rates should go down. Is it worth paying points to get a lower rate? What is a loan modification? He also talks about some shake-ups in the physician mortgage space with several banks pulling out of the market or cutting back dramatically.

If you have questions for Doug, you can find him at www.DougCrouse.com. You can also get a free copy of his book: Hippocratic House: Do No Harm When Purchasing Your First Physician Home.