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typically the reason why they need a lower rate is it trickles so as a consumer without understanding what we know without having the license that we have they just understand that their mortgage if it has a lower rate it lowers the payment so if a prospect had lets say you know youre just actually thinking about how the prospects come in about their goal and their intention theyll meet with their wife or their spouse and theyll be like hey babe were spending a lot of money on credit cards you know we need to save some money and lets just say those credit card debts are 500 per month their solution to the 500 a month is to take the biggest debt and lower their rate right ideally they want to create a solution or enough cash flow to handle that 500 in debt makes sense this is how theyre thinking and so when they call a lender their first question of course is i want a lower rate we have to learn how to accept that message in a different light i hope that you guys dont ever put y