I think it's a very common question that gets asked, because I see it in the Facebook group pages all the time.

Hey, are you guys locking this week or you're floating this week?

Are you locking a day or you're floating today?

Like when somebody reaches out to you, Owen how do you how do you answer that wait wait wait wait wait wait and let me let me

do it two phases so number one okay what do you tell loan officers when they ask you

and number two what do you tell prospective prospects?

Barrowers.

If it's any different.

So which one you want to do first, the borrower or the loan officer?

Well, we can do them.

We could do them separately, and I'm good with either.

It's pretty the same information with a slightly different

presentation. Okay. You know, I, when I was writing loans, and why don't we take the borrower first,

and when someone would ask me whether or not they should lock, I would give them the information, and then I would always

encourage them to lock. I would say, look, and I would kind of make a joke of it. I said,

if I knew exactly what the fact, because they always asked, are they going up, are they going

down? What do you think? What do you hear? I heard the Federal Reserve is going to do

X, Y, and Z, you know, whatever.

And I would always say to them, hey, if I knew what the financial markets were going to do

ahead of the financial markets actually doing it, I wouldn't be a loan officer.

I would be doing something else. And then that would

get them to laugh a little bit and it would disarm them. And I would say, when the market moves,

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