Host Rick Moore talks with Matt Hodges (President of Compass Home Loans ) and Jim Duncan (Nest Reality Group and creator of http://www.realcentralva.com/) about what may occur in 2011 based on 2010, such as: more people wanting to not stay put in one location, and an increase in the number renters. However, many people choose Central Virginia as a location to stay put. Also addressed is how someone’s credit score can affect loans that are available, and how loans work in general.