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[Music] hi my name is alex carlich with gus and show associates i want to talk today about mortgage letters of explanation so these underwriters ask you for a lot of explanations on something and i get a lot of calls on this because people panic im not even doing their loan theyre in a mortgage underwriting process and their loan officer is not communicating with them and theyre panicking because theyre freaking out what to write i had someone call me today and said i i ran my credit with a bank and i was shopping for a mortgage and theyre asking me to write explanation on this what what do i do i said what was it for and they said i ran a mortgage it was a mortgage i was applying for mortgage i didnt go with them what do i what do i say i said dont relax its no big deal right name of the bank the date that you were inquired about that you know inquiry for a mortgage and say i was shopping for a mortgage no new debt signed and dated thats it no need to panic and thats what m