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foreign is one of our loan officers here at Morgan Financial how long you been with us about three years three years Okay cool so tell me a little bit about yourself I was born in New York um came here when I was one um I have just me and my wife just welcomed our first baby in the world about 15 months ago awesome so its been good hes a good sleeper but super hectic cool yeah then a little little schedule change when you throw another life in there right yeah yeah a little bit different cool well so today were talking about rates locking rates in rate locks yeah right okay so what is a rate lock what is a rate lock a rate lock is essentially when you protect your rate from any increases in the market so once you lock your rate in and youre under contract and everythings starting to get going you essentially lock in and protect yourself from any variations that occur okay so when is a rate lock typically occur when you go under contract go under contract once yeah but the the clie