Upper Coast Bank has branches all over the United States. Sophia Baker, the Vice President of Residential Lending at the Hartford, Connecticut branch, hired you as her executive assistant. Sophia wants to create a simple presentation that will help her explain some of the details about applying for a mortgage to first-time home buyers. She asks you research all the details for applying for a mortgage for first-time home buyers and then create the presentation that the company will be using to present the information to the customers. Sophia is depending on you to represent the company well with this presentation.