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foreign all right welcome to another daily rage live with the mortgage calculator my name is Nick Hershey I am the President and founder of the mortgage calculator we are A lender that specializes in alternative documentation or non-qm programs as well as conventional FHA b-a-n-usda so today we will go through a few different rate options it is the 19th of January right now at about 11 A.M so rates are live for today for all of our different programs so we have a ton of different options to go over Im joined here today with my co-host Jose Gonzalez our sales manager with 27 years of experience and our CEO Kyle Hershey who will talk a little bit more about how to docHub our team and connect with one of our loan officers so today we have a topic as we typically do so let me share my screen here uh todays topic is going to be our asset based qualification loans these are some of our non-qm programs that are available for primary second home and investment purchases using alternative inco