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Jane Floyd joins Stefan Alvarez and Alan Schonbrun to break down today’s housing market, interest rates, refinancing myths, affordability challenges, and why this market looks nothing like 2008. Jane Floyd is a top-producing branch manager at NFM Lending with over 30 years of experience in the mortgage industry, ranking in the top 1% of mortgage originators nationwide and earning multiple national honors from the Scotsman Guide while helping over 14,000 families navigate homeownership in the Tampa Bay Area. She explains: ◼️ Why today’s housing market is fundamentally different from the 2008 crash ◼️ How affordability became the biggest challenge for buyers ◼️ When refinancing actually makes sense mathematically ◼️ What 50-year mortgages are really designed for ◼️ How buyers and agents should think long-term instead of chasing interest rates