in the u.s. but with mortgage rates hitting a 20-year high this week at nearly 7%, trading your fire escape for a backyard despite even harder -- now some banks are trying to address a historical inequality in american housing like the new program offering home buyers zero down payment in a black and brown communities around the u.s.. but, my question is, do these programs help or hurt potential home owners of color? joining me now to discuss is vivian, she is ceo and founder of your rich bff media. i love her content on instagram and tiktok. vivian, so happy to have you here. why i want to do here is because i came across one of your videos when you pointed out a major flaw in these types of programs. so, tell us, if you will, what you see about it. >> thank you so much for having me. what i think i want people to really remember is that a lot of these low down programs cater towards latino and latin