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(upbeat music) - [Krystalina] Hey everyone, welcome to the Guiding You Forward podcast presented by Mountain America Credit Union, where we talk about all things financial related. And today, were talking all about mortgages, and thankfully, Karl is with us. Hi, Karl. - [Karl] How are you doing? - [Krystalina] So good. - [Karl] Good. - [Krystalina] Another question I have for you is about locking in a rate. (Karl chuckling) (Krystalina chuckling) - [Karl] The great, the great question. - [Krystalina] The great question. Tell us all about it, will you, Karl? - [Karl] I wish I could tell you (Krystalina laughing) because I have never seen the volatility. Rates change sometimes daily, hourly, multiple times a day. You typically dont see that. And so it created a lot of anxiety. It created a lot of unknown. With that, yes, everyone wants to know, like, how long do I wait? Is that great? Is a little bit lower rate coming around the corner? So heres what I tell borrowers and my loan offic