All right, so this is Carl White and I'm speaking today with Owen Lee, CEO of Success Mortgage Partners.

And Owen, you're the one that always brings us the expert advice, but the expert analysis of the market, that's what you, you're much too humble.

You're much too humble to claim that.

Thank you.

You know, you bring a lot to our group about where rates are going and what should be looked at legislation might be up to coming.

So just for a minute, let's talk a little bit about where where do we see rates going here

for the rest of the year, maybe into spring. And then let's transition into, hey, it's the end of the

year. What do we need to do different or special here toward the end of the year to put us in position

to excel in the first of the year? So let's start with the first part first.

I would love to.

So as we're recording this, we're a couple weeks

after the election.

And as you remember, we had that big protective trade,

running up into the election where interest rates kind of got

really good down around six in very late September and the first 10 days of October.

And then we had that trade.

Markets always hate uncertainty.

The election was a big uncertainty.

And the market dropped off. And of course,

our market moves inverse. So a dropping market is an increasing rate market, which we

definitely saw. And interest rates got up to high sixes, maybe people selling six and a half

with a point or seven, depending on

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