Give market update and then joke:

If I knew what the financial markets were going to do ahead of the financial markets actually doing it, I wouldn't be a loan officer. I would be doing something else.

When the market moves it usually moves down meaning interest rates go up right because the markets move inverse, so it usually moves down, and interest rates go up faster than the market improves and interest rates go down.

So just on a straight line statistically speaking you're more likely to be harmed a larger amount than you are to be helped a larger
amount.

I'm not a gambler and so my inclination would be to lock you right now and if the rates moves a very significant amount - .25

or .375, we can have a conversation about me helping you do a little bit better.

But you'll be protected from the downside.

Possibly remind them how tight things are, they have a lot of expenses coming up. The move costs money. The move always means five or six trips to Home Depot or Lowe's and it seems like each one of those trips is four $500.

Mr and Mrs borrower remember our closing numbers are pretty tight and we just had to justify that you have enough money to close if the market goes north instead of south and your interest rate goes up or more likely you're going to have to bring in more money to close.

I would always urge you to take the sure thing because the uh you know when you're it's and I'm not saying that if the market you know goes up which again inversely means interest rates go down that they're not going to call you and say hey I read an article or my next