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all right welcome to daily rates live with the mortgage calculator uh were going to go through some live rates here today and then we are going to do a deep dive into pnl loan so go ahead and drop a comment there in the chat as you tune in we got the comments up on the screen well get started here in just a moment you can ask any questions you have in the chat as we go through here as well today thank you everybody for tuning in nice and early you appreciate it happy Friday everybody hope everybodys about to have a great weekend but it looks like were live on all the different platforms so well go ahead and get started what well do is well take the chat off the screen for now but then we will go ahead uh and leave it there for you to drop in comments or questions you have so welcome everyone my name is Kyle Hershey Im the COO of the mortgage calculator joined here by our President Nick Hershey and our sales manager Jose Gonzalez we are A lender specializing in non-qm loans and