It's time for a smarter happy hour! Do you love the idea of one day buying a home of your own, but get overwhelmed by mortgage rates, points, closing costs and inspections? Veteran broker Sandi Lichtman will map it all out and answer your questions about the key steps to buying a home. And if you are a first time homebuyer, you’ll get valuable information about programs (and money!) to help make your dream a reality.