 Let's go over to our man. Mr. Bud Springs, but what's going on, brother? How you doing, man? I'm doing great yourself I'm good. I'm good. I'm actually heading up to Manus T. Springs Park to do a little camping. I know man That's so cool. That is awesome, man folks in Florida We have so many cool places to go in the Springs if you've never seen a cold spring It's just gorgeous 72 degrees that pumps out of the water out of the ground The first time I ever seen one and we were up with three sisters bud, and it was like oh my god I couldn't believe it man. It's just so cool It's hard to believe that you're just staring through 200 feet of clear water. I know man Crazy unbelievable and then after tomorrow, we're gonna hit this place anybody wants to Google it called Bob's water park This guy from New York called about two blocks of land on the swanee River and Built rope swings homemade rope swings ladders everything and it's like the people around here serve beach And you go I call it Bob's redneck water park. It's a great place. Oh, man. I gotta go. I'm going that's that is No, it's only man. I love that stuff I had the Kings Bay that hold that whole bit man is just so beautiful So now you'd love it. We need some clarity in this marketplace, but I think we get we're getting a pump up today So I know that you know we the 10-year pullback the 30-year pullback the mortgage business I'm sure the phones ringing off the hook. So tell us will where are we this week inside the mortgage business? Well, like we talked about last week, you know, even though that 10-year note had hit the low was still by And all of a sudden rate just kind of leveled off. Yes And we talked about that, you know, maybe it was just something they didn't want to go that well Then all of a sudden this week Seems like we hit the sweet spot where everybody's sitting on the fence for refinancing said, okay It's time to get it right, you know, right and so like I had a buddy at a few files And they just have locked there, you know, they didn't they hadn't been proactive So they were waiting and then all of a sudden the bone the mark the mortgage market even though you were still going down We we had a slight a slight bump and then a larger bump to her. I was quoting rates Probably three eighths or almost a half of a percent higher than I was a week ago And you know, and you know, like I said, this is above my favorite was far as I'm concerned There they're basically they said we can't handle anymore We got it We got to basically pump this up to catch our breath and make sure we're meeting those 30 40 60 day closing times. Yeah. No, I can see that. There's no doubt There's no doubt and with that is folks It's more demand and then they have to basically push through the paper. I mean, it totally makes sense There's no doubt about that. Hey, let me ask you something I know, you know, you gave us some great paper this week when we were looking at it for some clients and So even on a VA loan, right? So on a VA loan right if you're putting nothing down and putting 10% down or 20% down So are the other 30 year rates different even in a VA loan when you're putting 10 20 or 30 percent down? No, but but I tell you what's different is remember we talked about that jumbo the unlimited jumbo now Okay, yes, how over five 10 for you could still go in with zero percent down Whereas before you had a 10 put 10% over whatever that maximum loan amount was So now they did away with that so now when you're doing a VA jumbo, which right now would be over five hundred ten thousand four hundred dollars You would get you're gonna get a different a hit to the rate because of it been over the conforming limit That's cool to know right because that's what I was looking at. We was happening folks We're selling a house to like six hundred and sixty thousand or whatever it was and that that guy was coming in with no money down Right exactly interesting then so I didn't let me backtrack on something. You talked about VA I've never had a customer put 40 percent down or 30 percent down on the VA loan So that's one of the things you got cheap paper with no money down sure so I'm actually I have to double I'd like to confirm everything what I don't know exactly I know I can say it but I think you're correct in the aspect it has to do with going over the conventional limit that you're Actually in a jumbo loan now versus not a jumbo loan, which is pretty cool, right now I can see that I can see that listen folks you can get hold the bud at seven two seven Seven nine eight three eight eight eight. It's the mortgage firm. You need basically Mortgage folks. He's a great mortgage lender. It's he's a direct lender with a direct lender folks means he they Don't have to go through anyone else to get you the bread, but you have a great weekend safe weekend And we're all gonna Google that we're gonna go up. Well, I'm definitely gonna get up there in the next month or two months Okay, man. You have a good weekend. Okay. Have a great one. Have a safe one now Dow industrials right now up 880 Nasdaq is up 274 recipes are up 109 stay right there folks come back What I'm am Mr. David white