This wacky year is about to end. The TCOTM crew gets together for a happy hour and discuss what to be thankful for and what to watch for regarding mortgages and real estate in 2021. Grab a good beer and join them! Justin Scheeler and Paul St Andrew are licensed real estate agents in the state of Minnesota with RE/MAX Results. Paul St Andrew can be found online at https://www.paulstandrew.com/ (minnesotahomesales.com). Justin Scheeler can be found online at https://justinscheeler.results.net/ (justinscheeler.com).  Joel Benson and Greg Rios are mortgage consultants with Cardinal Financial Company, Limited Partnership (NMLS 66247) which is an Equal Housing Opportunity lender and is not affiliated with RE/MAX Results. Joel Benson's NMLS ID is 1064642 Greg Rios's NMLS ID is 1505482. Cardinal Financial can be found online at https://cardinalfinancial.com/ (cardinalfinancial.com).      Sponsors: Tina Huynh-Chandee with Country Financial and can be reached at 651-846-8163 or via email at  tina.huynh-chandee@countryfinancial.com. My Insurance Warehouse. Reach them at (612) 354-2040 or https://www.myinsurancewarehouse.com/ (myinsurancewarewhouse.com).