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all right welcome everyone sorry for the delay there little technical difficulties but uh thank you for tuning in we got the comments up there so feel free to drop a comment there in the uh the chat but good morning to everybody who was already dropping comments as you can see today were going to do some of the basics which is conventional loans so well do a little getting back to the basics here all right people dropping there in the chat good morning good morning just waiting a couple of seconds here to get live on all the different platforms good morning all right well we wont wait too long here today lets go ahead and uh and get a roll in here all right so welcome everyone my name is Kyle Hershey I am the CEO of the mortgage calculator joined here by President Nick Hershey and our sales manager Jose Gonzalez we are a correspondent lender that does things a little different and one of the things that we do is we go through the rates every single day very transparent we run throu