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welcome to daily mortgage rates live with the mortgage calculator were going to wait just a few minutes here to get started uh we did put up the chat so you can drop a comment there in the chat as you tune in see some people already uh commenting in the chat as well today we are going to go through the live rates and were going to do a deep dive into VA loans just like we do every weekday well do a deep dive into a different talk Tara and thank you everybody for tuning in well get started in just a second here all right it looks like we are live on all of the different platforms here so we should be good to go again thank you everybody for dropping comments in there as we go through the presentation here today as well feel free to drop any questions you have in the comments and uh we can get those answered for you all right okay looks like we are good to go so we can go ahead and uh take the chat down and we can go ahead and get into it all right so welcome everyone my name is Kyle