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hey folks stanford here the raid update today i want to talk to those that are building a home and youre freaking out our phones are ringing off the hook because youre nervous what are rates going to be six months down the road eight months down the road you dont know and its causing concern so dont go away thats what were going to talk about so heres what i got lets say youre youre youve finally decided hey im going to build that dream house you came out of the pandemic and youre like you know my apartment or my house is too small now i want to build the house so you start docHubing out and you find a builder that theyll build your house so then you get pre-approved through the builders lender or us or whomever probably not us because i got a special program for a lot of you guys watching to help ease your minds so you go down that path you get pre-approved but then the lenders are the builders like you know what its going to take us six months to build the house your