Hey, here we are on free range American. Holy shit. Yeah, you guys saw me this morning,

but this episode is going to be it's going to be aired separately. So I'm still wearing the same

shirt. It's fine. You guys won't remember, but you can't get the shirt because I made it

for myself. Anyway, this is a special episode. We're going to start kind of doing some themed

episodes where we bring in some of these experts in certain fields for things that you probably need.

For things that you that I would say a lot of people think that we're just supposed to know and

no one knows shit about it. So I am joined with Sean guaranteed rate. Thanks for having me.

And are you a loan officer? My title guaranteed rate loves fancy titles. It's the senior vice

president of mortgage lending. Oh wow. Yes, I'm a loan officer. Oh, I'm just a

I'm a mortgage advisor senior vice president of mortgage lending. Correct. That just I mean

they're just they're making you spend more money on business cards. Yeah, yeah,

why don't you just be just you know, it could just be L.O. Yeah, agree. Anyway,

you're here to talk to us about VAL on specifically. What's again, like these are some of those

things that you don't really learn until you fucked it up really. Yeah. And then somebody like

three years later is like, wait, you didn't know that you had access to this or you were offered

this or you could defer payment for this. Dude, it's all in the VIA and you're like, what?

Where the hell is that newsletter? Yeah, but I didn't get it. So yeah, Sean, walk us through.

Let's let's start with first time home buyers. So let's let's bracket this out. Let's go.

So we're we're talking to someone that has never owned a home yet. So so let's talk about the

process. Let's talk about the benefits. You know, obviously, you know, you know, the benefits,

you're gonna nine times out of 10. A mortgage is cheaper than rent. Yes.

More so 11 times out of 10 more and more across the country than ever. That used to I'm from

...