So I'm talking with Jerry Byers and who happens to be down in St. Petersburg, just down the road for me. So how cool is that? Are you native to there by chance?

No, actually not. I grew up in San Diego. Okay. Oh, nice. One Another side, other coast. Yeah. One paradise to the other. So you called me up and you're

getting ready to write an article about reaching out to people that did Helox about five years ago,

that they're getting ready to reset and like where's the opportunity for the loan officer and how can we benefit the borrower all in the same time by converting these.

HILOCs that are like a second mortgage and refinance it into one loan.

By the way, so, dude, I just saw this report shocked me, said that the, I think it was for last

month or was it the month before, that it was 55% purchase loans, 40% refinance, and 5% helix.

That was a breakdown last month.

I was shocked by how many refinances that was.

Yeah, that kind of shocks me too,

especially at these rates. So I know. So you know what that told me, Jerry? That told me I'm not marketing. I think I'm marketing my database pretty good, but I think we were at,

gosh, what was it?

I think it was, and it might be off here a little bit.

If I remember, like it was 21 or 22% refinance, which I thought was, I always shoot for that 70, 30.

That's kind of the holy grail for me.

But, yeah, I saw this 60, like 60 or 55 40, 545, 5.

Pretty shocking.

So all right.

So what we're going to talk about is where is the opportunity for the loan officer and how can we help our clients and, oh, by the way way get a commission check when we help them out.

Oh, absolutely. And so that's what we're always looking for ways to help our brokers and

MLOs just find a target that might not be addressed currently that might be upcoming. And this is,

you know, this is pretty common with

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