Aaron Franklin, center, and Prapaporn Franklin talk with Aaron Schwamberg, senior loan officer at First Option Mortgage, after they signed closing documents for their home in Las Vegas at a title office in Henderson on Tuesday, Feb. 23, 2021. The Franklins are moving from a one-bedroom apartment in California to a large home with a pool in Las Vegas and will still have a lower mortgage payment than they paid in rent. (Chase Stevens/Las Vegas Review-Journal) @csstevensphoto