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Welcome to our monthly feature Learn With A Lender with Austin Clarence ( / austin-clarence-99a18892 ) . In this episode, Austin discusses what the recent drop in 30‑year fixed rates below 6% really means for buyers. Austin describes how to use the new FHA loan limit as a pricing strategy, and why non-QM and DSCR loans are game-changers for self‑employed buyers and investors. Last, Austin also shares his concept of “ghost buyers”, people who could qualify but don’t realize it, and gives agents practical ways to turn this hidden group into closed deals. Subscribe to Austin’s newsletter by sending an email to aclarence@nexalending.com (mailto:aclarence@nexalending.com) . If you’d prefer to watch this interview, click here to view on YouTube! ( • Austin Clarence - Lowest Rates in 3.5 Year... ) Austin Clarence can be reached at +1 650-906-2376 (https://www.google.com/search?q=austi...) and aclarence@nexalending.com (mailto:aclarence@nexalending.com) This episode is brought to you by Real Geeks (http://www.realgeeks.com/keepingitrea...) and Courted.io (https://www.courted.io/) . (https://nexamortgage.com/)