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here with another daily mortgage rates live I am Nick Hershey the president and founder of the mortgage calculator we are A lender that specializes in non-qm and non-traditional mortgages and so we take the time today to go through the general rates offered in the marketplace that our programs have available and today were going to talk about some specialty programs so Im joined by my co-host Kyle Hershey the CEO and Jose Gonzalez our 27-year veteran here our sales manager and so Jose will go into a little bit more detail but first let me just introduce kind of the topic for today were going to be discussing our foreign National Loan program so these are very popular programs especially since we do as we uh call it non-qm uh which are the non-traditional mortgages right conventional mortgages arent available for foreign Nationals so we have a plethora of programs available for those four Nationals looking to invest in the U.S which is becoming ever more popular as theres a lot of