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[Music] [Music] foreign i okay okay so today my name is daisy angel im from cross country mortgage and um thank you everybody for being here and of course the people that are watching up from your house um my name is daisy from cross country so today were going to be talking about bank statement program so we have different type of clients um the clients that are usually w2 or the freelancers or self-employed bowers so today were going to only be talking about those people that are self-employed that get paid either 10.99 or that they get paid well not necessary cash cash but of course they need to be paid with a cheque from a another um another company so as you know like a w-2 we go by based on how much they make if they get paid salary um thats how were going to be calculating the income but of course when we see that self-employed borrower that makes good money but at the end of the year they write off a lot of expenses unfortunately the normal standard fha and conventional lo