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[Music] hi jennifer hernandez what does locking the interest rate actually mean so when you are in transaction with us and you get a property under contract or if youre going to refinance the process is the same so uh lenders ill tell you how legacy does it we we we have 12 to 15 investor entities that we sell our loans to so we have a platform where we look up the rates on that day based on your qualifications your credit debt to income et cetera et cetera and we actually offer you xyz rate for the day lets just say the rate was three percent get very excited so three percent is the 30-year fixed rate for today okay um what that means is that is the rate which our company on that day in that hour or that moment is offering to you so you say yes jennifer we want to do business with you and we want that three percent so i hang up the phone quickly and i go to our secondary marketing department which is a market a department that deals directly with with our funds as we sell them to o