A new player has entered the TPO space. Elsewhere, first-time buyers are feeling the burn with a lack of inventory still plaguing the marketplace. What can help them relax? Listening to our own Vincent Valvo’s "Poetic Moments In Mortgage," of course! Plus, David Luna is back with another episode of "Smashing The Crystal Ball" talking about plummeting homebuilder sentiment and a challenging market's impact on first-time homebuyers.