basically, the take away here is qualified mortgage. that's a term you're going to hear a lot more of and now the industry standard. >> mike: what do you think of the new regulations? is it better for us or the bank? >> i think that remains to be seen. i think this is in general, i think this is pretty good on the heels of two other mortgage related settlements with private lenders this week and ang all of this will provide more confidence in the marketplace for some lenders to stop looking back at the last six years and start lending to qualified. >> what are the rates. >> 30-year fixed below 4%. i think it will stay there for the year. >> alisyn: morgan, thank you. >> thank you. >> alisyn: what is up next for president obama? is it immigration reform? you better watch out. it looks like one republican already has some of his ideas in the works. we're live from washington with details of this. >> mike: plus, a happy homecoming on the the ice. how one military dad pulled off one of the best surprises we've seen. get the tissue ready! ♪