It's a tough time to be a mortgage REIT and the third-quarter results from Two Harbors (NYSE:TWO) didn't suggest much to the contrary. In this segment of The Motley Fool's financials-focused show, Where the Money Is, banking analysts Matt Koppenheffer and David Hanson discuss the Two Harbors results and why investors can still be optimistic about this innovative mortgage investor. Matt and David also highlight some specifics from Two Harbors' earnings call and what they might mean for competitors like Annaly Capital (NYSE:NLY) and American Capital Agency (NASDAQ:AGNC).