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okay welcome back so today were going to be talking about online applications so when you fill out an online mortgage application something really really important for you guys to know especially if youre working with us ive got alyssa with me today alyssa is on the team shes usually who you talk to on the front end if youve got questions if youre like well i dont know if im ready you know or help i need help with budgeting alyssa is there to help so alyssa what do you see on your side in terms of like what makes stop someone stop filling out an application yeah so i like to um go through you know all the applications we get and a lot of the incomplete applications when im calling and following up are people dont have the exact data to put in like i dont remember the exact penny i made last year i dont know how long i cant even imagine i dont know how long i lived in a house to the month and the application will you know ask that like yeah how many years how many months a