Goodbye, 2020; good riddance! As we leave 2021 and are now a month into 2021, hope and optimism are in the air. A new president, new leadership, further projected economic relief and stimulus on the way, and COVID-19 vaccines rolling out; things look a little brighter. In today's article, I will bring you up to speed on some of the hot topics and some significant changes in the mortgage world to start off the year.

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