Just submitted all of my 'conditions' , took me 5days . Lender just submitted to underwriting for CTC this morning, hopefully i get the final approval and CTC within the next few days!! Im soo anxious!!! Great info man
@@empoweredwithpurpose loving my home, been 15 months. Everything went well. Your loan officer & realtor are your two bestfriends during the process, just follow their instructions and it all comes together. Give them what they request at 'CONDITIONS' and you'll be good, once you get your final disclosures with closing date at escrow, you've got it! Congrats
@@KENNETHCALHOUN thank you, congratulations. My loan officer submitted my requested docs back to the underwriting on Friday. I’m eagerly waiting to receive my final approval & loan commitment letter on Monday.
Best flow chart ever. I got my conditional approval today... I know this is not the finish line - but a step in the right direction. You've helped alot in the process.
Hey Kyle I just want to say as a processor you do a great job in our wonderful asset to the industry oh and your voice and guitar skills are on point too LOL is it possible to do a video breaking down the steps a processor takes before handing it up to the underwriter if you are knowledgeable enough to cover that subject thanks
I’m so nervous!! I’ve been working at this for two years.. and I’m at the appraisal step!! I just hope the fact that I lost my job for 3mo due to covid.. don’t mess me up
I appreciate your videos SO much! I've been binge watching your videos as my husband and I are looking to purchase a new home. My question to you is, we plan on cashing out stocks to use as a down payment. How does that look to a lender? Is there any issue with that?
Helpful! But when exactly do we submit the bank statements ? There’s some cash deposits in there and if I wait a couple of days, then it won’t show up on the upcoming bank statement ?
Bank statements will normally be needed when you're under contract for a home. Cash deposits are usually not allowed. Talk to your loan officer about how to source them
Thank you so much! Going through the whole process right now and this makes everything make more sense. Especially the different disclosures you get through out the process. On mine the initial disclosure had a different price then the 2nd disclosure I got. On the second one it was way higher. Is that common?
Shouldn't there be a home inspection before you pay for an appraisal? I wouldn't want to pay for an appraisal if there is a major problem like mold or foundation or septic system issues.
Yes you can! The final approval will always be subject to a satisfactory appraisal, but you can get all other loans conditions cleared before the appraisal.
Great informational video! What happens when bank wont lend money on a price that seller is asking for (when bank thinks that price of property is too big)??
Thanks it really helpful indeed, my situation is I got CD (FHA) then UW asked for one more piece of doc, I provided yesterday. How long it takes to get CTC? Do I receive any communication when clear to close ?
It really depends on the lender. I would expect they should be able to give you a CTC within 2 days of receiving all info needed. And they should be letting you know when. I’d contact your loan officer
Win The House You Love I contacted with the processor, in the morning he said “ I should be done by today “ but when I emailed him again at 4 o’clock he remain unanswered.
We got conditional approval the week before Christmas, the appraisal came back last week low ,the sellers decided drop to appraisal price but we haven't heard anything since, is that normal, I am super nervous 😬
Hey man thanks for the video. I currently going through underwriting and I'm super worried! I already paid for inspections, and submitted my earnest money. I am working with Chase as my lender. Is it normal to submit earnest money before even knowing whether or not I'll be approved by underwriting? I feel as if they should have put me through underwriting before hand, that way I don't put all this effort into the house I'm under contract with.
Hey bro quick question, my lender said they are waiting for title work, and appraisal also, but I’m kind of stress i have some inquiries on my credit I’m just scared if that hurts 🥺
Hi, we are purchasing our new first home. It is a new build and we are scheduled to close in December. I am a little nervous if there is any possibility of things going wrong. When do we know if our loan is being looked at by an underwriter? How early do we know if things are even closed to the final stage? Seems like the whole process is very lengthy. Thanks
Yay, congrats! Once you have an initial approval from an underwriter, things should go pretty smoothly. As far as when things are being looked at, you'll need to talk to your loan officer to understand the timeline they're on. New builds take a bit longer, not because of the mortgage process, but because the home is still being constructed.
Win The House You Love - my lender just confirmed that everything looks good. 3 days after, my husband got a job promotion and needs to get relocated out of state. Since our closing is scheduled mid December, are we going to get our earnest deposit back?
How many times during the loan process does the lender check your credit? One more question would they submit your file to underwriting if they felt not good about it?
Usually only one hard inquiry in the beginning and then a soft pull at the end. A good loan officer wouldn't submit your loan if they weren't confident in it getting approved.
I have got a verbal pre-approval for a 4-year fixed rate 1.49 % term from CIBC after I submitted all the documents they need. Do I still need a paper pre-approval? Now I have started the process and I have send the relevant files to the appraisal services GTA. Thanks
I don't want to advise on if you should or shouldn't use an attorney; however, I have only ever had one client use an attorney. Your loan officer will be able to help you review the disclosures if you have any questions. Nothing is binding until you sign at the closing table. Everything you sign before that is a receipt of the documents.
Thanks so much for sharing the mortgage process you have one of the best explanations on the youtube could I get that pdf you mentioned how would I get that do I send my email ?
@@WinTheHouseYouLove I'm still waiting for that ring. I told you on your video about appreciation of properties that I would 'appreciate' it if you would marry me ;-)
@@WinTheHouseYouLove Very informative video. I re ceived my closing disclosure and my home is 345,000 im giving 10% down and to lower my rate they are charging me 11,000 i think that is so much do you think that is reasonable its going from a 5.0 to 4.0 and plus all the closing cost what i nee to pay is 47,600 please can you help me and see if its legit my closing date will be on Thursday. To mention that is already with the earnest money and the home insurance i paid that already.
Thank you for the information!!! One quick question: Do we still need to go to the lawyers office on closing date during COVID? Or can we just sign virtually?
Most of the time they do not. Collections above $2,000 on an FHA loan will need to be able to fit into your monthly debt-to-income ratio. If the estimated monthly payment doesn't fit in the monthly payment, they will need to be paid off.
Kyle Seagraves - Mortgage Advisor Thanks! Is it normal for an appraisal to be ordered before underwriting approved the loan? Cause if denied then you lose the appraisal money.
@@HS-lu1ln There are two approvals on a loan. There is the Conditional Approval (where an underwriter says it's approved as long as you meet certain conditions) and a Clear To Close Approval. The appraisal is normally done after the Conditional Approval and has to be done before the Clear To Close. The Conditional Approval will let you know if you will be approved/denied moving forward.
Kyle Seagraves - Mortgage Advisor Thanks for your quick reply. I got the appraisal report yesterday but the lender never told me I had a conditional approval before the appraisal . So just waited to hear back from them now.
Ok I have a situation. I got preapproved for a mortgage loan and I’ve found the house. I’m going through the process, I put the house under contract, deposited the EMD and paid for the inspection. I just submitted my application but I’m nervous because about two weeks before I did the preapproval I applied for a business credit card through capital one and was approved for one with a 5k limit. Well I found out about a week ago that Capital one reported this card on my personal credit, and I charged 600 to it for my LLC. I was under the impression they would report to DUN and Bradstreet, NOT my personal credit report. So now this has hit my credit and it hasn’t done anything to my score, It dropped by 1 point, but I’m worried that the lender may see this if/when they run my credit again and it could be a problem since it wasn’t on my credit report when I did the preapproval. I’m kind of paranoid that this could cost me my mortgage loan if/when they run my credit again and I do not want to lose out on my loan because of this. I have not informed the loan officer yet. Any advice? (Btw, I have a full time job which is my main source of income but I do have my LLC established which I use to deposit money for my wholesaling real estate ventures, and it’s my LLC I applied for this business card for)
First, I wouldn't stress over this too much. $600 usually isn't enough to stop a mortgage from going through. Talk to you lender about it. Most likely, they will catch it eventually since most lenders monitor credit inquiries throughout the loan process. It's best just to be up-front with your loan officer so they can take a look and let you know (1) if it's even an issue at all or (2) a solution to fix the problem if needed.
How much should I worry about underwriting? My closing date is August 17th and going through appraisal and underwriting process. I’m worried sick. I sent over my checking&savings statement (May, June). I bought about $1000 worth of carpeting tools🤦🏻♀️(Pinterest does it to you), new grill $200, and new tv $500. I’m worried they will deny me because I spent too much😭😭😭
I wouldn't worry too much! Contact your loan officer and give them a heads up. They'll be able to take a look and help you change any plans if needed :) Kyle Seagraves → winthehouseyoulove.com
If I am in contract with a seller, and I find a more attractive rate from another lender is it okay to switch if I’m in the middle of the “in progress stage?” Will my realtor be able to communicate the change in lender to the seller to ensure proper communication? Thank you for the video!
You can change, but first make sure that new lender will be able to hit the contract closing date. Then, let your agent know that's what you want to do and they can communicate that to everyone. Then, make the switch.
That is why people like me are terrified to buy a f. House. For who you made this video? Exactly! For ppl whi know already the terms. You drop terms and words that we don't understand bro. U make me mad with this pro video... BS
Buying a house can feel overwhelming and that's ok! When you run into terms you're unfamiliar with, it's a great place to start searching for those terms. That's the best way to learn :) One video, no matter who it's by, will cover every single term. Real estate is complex, and complexity can't be solved in one video.
Just submitted all of my 'conditions' , took me 5days . Lender just submitted to underwriting for CTC this morning, hopefully i get the final approval and CTC within the next few days!! Im soo anxious!!!
Great info man
Awesome!!! You’re on the home stretch! Let me know when you’re all CTC and closed!
How did things go
@@empoweredwithpurpose loving my home, been 15 months. Everything went well. Your loan officer & realtor are your two bestfriends during the process, just follow their instructions and it all comes together. Give them what they request at 'CONDITIONS' and you'll be good, once you get your final disclosures with closing date at escrow, you've got it! Congrats
@@KENNETHCALHOUN thank you, congratulations. My loan officer submitted my requested docs back to the underwriting on Friday. I’m eagerly waiting to receive my final approval & loan commitment letter on Monday.
@@empoweredwithpurpose So, how did it go. Did you get the home? Were you approved?
Best flow chart ever. I got my conditional approval today... I know this is not the finish line - but a step in the right direction. You've helped alot in the process.
Congrats!!! Glad to help :)
Thank you x 10. This is not a process for the faint, but having a fundamental understanding of the steps takes the edge of stress:)
Thank you so much for watching!! :)
This was EXTREMELY helpful and easing. Thanks.
Glad it helped!
This is my favorite video of yours.
This is my favorite comment of yours
I'm a new LO and your channel is everything I NEED that the test hardly covered (if it was)! thank you!
I'm so glad! Thanks for watching. :)
This was perfect sir and all those steps are fairly addressed. Thank you
Glad it helped. Thank you for watching. :)
Thank you for this I’m a new real estate agent so this information is very valuable
Glad it was helpful!
Extremely helpful!!! Thank you so much!
Thank you so much for watching!! :)
Thanks buddy, this is pretty helpful for a newbie!
I just recorded a personal video reply for you: vid.us/favrk0
Very helpful! Thank you!
Hey Kyle I just want to say as a processor you do a great job in our wonderful asset to the industry oh and your voice and guitar skills are on point too LOL is it possible to do a video breaking down the steps a processor takes before handing it up to the underwriter if you are knowledgeable enough to cover that subject thanks
Thank you so much!! I think I may make another channel for topics like that in the future :)
Great explanations!
This was very insightful to learn as a first time buyer!
Extremely informative
Glad it was helpful! Thanks for watching!
Quick question; at what point can I back out? And what fees would I incur? I am at the underwriting stage before approval.
This video made my stress go away a little bit..got our closing disclosure on oct 8 2021
Super helpful!
My question is when exactly do we give the downpayment and closing cost fees?
At closing
Great discussion! Thank you!
Thank you so much for watching!! :)
Thank you so much! Very helpful
Glad it helped!
When will you find out your official offered interest rate? Im wondering because thats a deal breaker for me
I’m so nervous!! I’ve been working at this for two years.. and I’m at the appraisal step!! I just hope the fact that I lost my job for 3mo due to covid.. don’t mess me up
If you're back at work you should be ok :)
@@WinTheHouseYouLove yes 8 months.. ThAnk you... and good luck everyone
Thank you so much. This was so helpful.
You are so welcome!
I appreciate your videos SO much! I've been binge watching your videos as my husband and I are looking to purchase a new home. My question to you is, we plan on cashing out stocks to use as a down payment. How does that look to a lender? Is there any issue with that?
Hi! As long as it's your stocks, there will be no problem. Thanks for supporting my channel.
@@WinTheHouseYouLove what about cashing out crypto ? same concept ? cashing out crypto for the down payment
ZqqQ aaa Q
@@dynamoxander you would have to liquidate your crypto and have it "season" in your account for 60 days.
Thank you so much for your help!
Glad it helped!
Great Video. I shared it on all of my SM. I would love a copy of that PDF, Thank you in advance.
Helpful! But when exactly do we submit the bank statements ?
There’s some cash deposits in there and if I wait a couple of days, then it won’t show up on the upcoming bank statement ?
Bank statements will normally be needed when you're under contract for a home.
Cash deposits are usually not allowed. Talk to your loan officer about how to source them
Thank you very helpful!!
Glad it was helpful!
It’s really helpful!
Thanks! :)
Thank you. very helpful
Thank you! If you need a guide to your homebuying, you can also check this video. Here's the link: ruclips.net/video/xBtKMup3jVE/видео.html
Thank you so much! Going through the whole process right now and this makes everything make more sense. Especially the different disclosures you get through out the process. On mine the initial disclosure had a different price then the 2nd disclosure I got. On the second one it was way higher. Is that common?
It's possible for that to happen since they're estimates, make sure to talk with your lender about the discrepancy
@@WinTheHouseYouLove I did as soon as I saw the difference. It was mostly the tittle insurance that got way high.
Shouldn't there be a home inspection before you pay for an appraisal? I wouldn't want to pay for an appraisal if there is a major problem like mold or foundation or septic system issues.
You can yes
Very helpful
Thanks man 👍🙏
No problem 👍
Clear AF!!
Thanks!
Whats the approx time frame on this whole process
Should the survey be ordered after the appraisal just in case theres friction with the seller to save the buyer money and time?
Thanks
My pleasure!
Do I as the buyer get a home inspection at or around the same time as the appraisal?
can you get a loan approval beafore getting the property appraisal report ?
Yes you can! The final approval will always be subject to a satisfactory appraisal, but you can get all other loans conditions cleared before the appraisal.
Thanks for this valuable info. May I ask if the LE is the same as the "Pre-CD?"
Glad to help!
It's similar in the sense that it's still an estimate :)
Great informational video! What happens when bank wont lend money on a price that seller is asking for (when bank thinks that price of property is too big)??
Hi! You can maybe counteroffer or move to the next lender. Best of luck!
@@WinTheHouseYouLove Thank you for reply. Keep up the good work!👊👋👋
thank u so much
You are most welcome. :)
Thanks it really helpful indeed, my situation is I got CD (FHA) then UW asked for one more piece of doc, I provided yesterday. How long it takes to get CTC? Do I receive any communication when clear to close ?
It really depends on the lender. I would expect they should be able to give you a CTC within 2 days of receiving all info needed. And they should be letting you know when. I’d contact your loan officer
Win The House You Love I contacted with the processor, in the morning he said “ I should be done by today “ but when I emailed him again at 4 o’clock he remain unanswered.
@@thelordofthering6359 how did it go
We got conditional approval the week before Christmas, the appraisal came back last week low ,the sellers decided drop to appraisal price but we haven't heard anything since, is that normal, I am super nervous 😬
Heyyy soo I current going through the same thing did your. Seller get a second appraisal done what was your outcome
@@jamekataylor9712 no didn't get a second one done, we close on our home back in January, best of luck to you 👍 😀.
So basically they make it so annoying and difficult no one can get a house.... America sucks so bad...
Hey, At what point do they usually ask for a employment verification form? Would that determine if you get the loan or not?
That's with the pre-approval stage. Of course, lenders want to make sure they lend to borrowers with stable employment :) Thanks for watching! :)
Hey man thanks for the video. I currently going through underwriting and I'm super worried! I already paid for inspections, and submitted my earnest money.
I am working with Chase as my lender. Is it normal to submit earnest money before even knowing whether or not I'll be approved by underwriting? I feel as if they should have put me through underwriting before hand, that way I don't put all this effort into the house I'm under contract with.
Thank you so much for watching!! :)
Yes that's normal. There are contingencies in your contract that will allow you to get the earnest money back.
Can Iplz have the pdf you were explaining this was very helpful
Sure thing! drive.google.com/file/d/1JtSPDvUE_deL2Jrt2F9AhR8zMGNwYU8g/view?usp=sharing
Hey bro quick question, my lender said they are waiting for title work, and appraisal also, but I’m kind of stress i have some inquiries on my credit I’m just scared if that hurts 🥺
Hi, we are purchasing our new first home. It is a new build and we are scheduled to close in December. I am a little nervous if there is any possibility of things going wrong. When do we know if our loan is being looked at by an underwriter? How early do we know if things are even closed to the final stage? Seems like the whole process is very lengthy. Thanks
Yay, congrats! Once you have an initial approval from an underwriter, things should go pretty smoothly.
As far as when things are being looked at, you'll need to talk to your loan officer to understand the timeline they're on. New builds take a bit longer, not because of the mortgage process, but because the home is still being constructed.
Win The House You Love - my lender just confirmed that everything looks good. 3 days after, my husband got a job promotion and needs to get relocated out of state. Since our closing is scheduled mid December, are we going to get our earnest deposit back?
Should i even start the application if i am still saving ? Or should i save first
I'd apply about a month before you're ready to shop
How many times during the loan process does the lender check your credit? One more question would they submit your file to underwriting if they felt not good about it?
Usually only one hard inquiry in the beginning and then a soft pull at the end.
A good loan officer wouldn't submit your loan if they weren't confident in it getting approved.
I have got a verbal pre-approval for a 4-year fixed rate 1.49 % term from CIBC after I submitted all the documents they need. Do I still need a paper pre-approval? Now I have started the process and I have send the relevant files to the appraisal services GTA.
Thanks
You'll want it in writing, yes
@@WinTheHouseYouLove Thanks
can u pls explain complete UW process
ruclips.net/video/icM5pgJ76h4/видео.html
should I have an attorney review the Initial Disclosures with me or is that something I can do myself? is what I am signing off on binding? thanks!
I don't want to advise on if you should or shouldn't use an attorney; however, I have only ever had one client use an attorney.
Your loan officer will be able to help you review the disclosures if you have any questions.
Nothing is binding until you sign at the closing table. Everything you sign before that is a receipt of the documents.
Can I backout from loan mortgage process?
Is this timeline different from new builder construction homes?
Yes, I'll add it to my video list :)
Thanks so much for sharing the mortgage process you have one of the best explanations on the youtube could I get that pdf you mentioned how would I get that do I send my email ?
Thank you! ♥ you can check out my website, you will be able to get a more detailed process there. Here's the link: www.winthehouseyoulove.com/
Um inspection ?
An inspection is not part of the mortgage process. Home buying process, yes.
Gosh you are even more stunning without your glasses phooowaar
Haha thanks
@@WinTheHouseYouLove I'm still waiting for that ring. I told you on your video about appreciation of properties that I would 'appreciate' it if you would marry me ;-)
Both me and my son are on disability what types of loans are good for disability and what process is that
All loans allow disability income. There isn't anything difference with the process
Its 2022 and i didnt know my closing cost will be 21k I think that is to much.
I have a video regarding closing costs, you can check this out: ruclips.net/video/u5HJQEvfj08/видео.html
@@WinTheHouseYouLove Very informative video. I re ceived my closing disclosure and my home is 345,000 im giving 10% down and to lower my rate they are charging me 11,000 i think that is so much do you think that is reasonable its going from a 5.0 to 4.0 and plus all the closing cost what i nee to pay is 47,600 please can you help me and see if its legit my closing date will be on Thursday. To mention that is already with the earnest money and the home insurance i paid that already.
what if the mortgage asks for explanation letter for credit inquiries and statement purchases?
I purchased something on Klarna and wanted me to explain but that’s not a credit card it was on my statement
It's just a quick explanation of what the inquiry was for, no big deal
How do I get the pdf for reference?
I don't have it anymore, but I have this timeline www.winthehouseyoulove.com/timeline
Thank you for the information!!! One quick question: Do we still need to go to the lawyers office on closing date during COVID? Or can we just sign virtually?
It depends how they set it up. Some are still in person, some are digital.
What’s the timeline for all this to take place?
From contract to close, around 30 days on average
Thanks for your time.🖤
Question, is this mortgage process same for VA home loan process?
Yes! The VA home loan process is identical.
Win The House You Love thanks appreciate the feedback and thanks for the informative videos.
Can you send me over that PDF
Na, I'm better off renting, home ownership is way overated
Renting is not that bad, it's better than nothing. Check out this video. Here's the link: ruclips.net/video/vjXoNVepc54/видео.html
if the lender order's the survey does that mean my loan was approved
You'll know it's approved if you have a conditional approval or a clear to close
@@WinTheHouseYouLove Thank you,
Does the lender have to wait for the survey report to come back to get a conditional approval?
Do collections accounts need to be paid at closing?
Most of the time they do not. Collections above $2,000 on an FHA loan will need to be able to fit into your monthly debt-to-income ratio. If the estimated monthly payment doesn't fit in the monthly payment, they will need to be paid off.
Kyle Seagraves - Mortgage Advisor Thanks! Is it normal for an appraisal to be ordered before underwriting approved the loan? Cause if denied then you lose the appraisal money.
@@HS-lu1ln There are two approvals on a loan. There is the Conditional Approval (where an underwriter says it's approved as long as you meet certain conditions) and a Clear To Close Approval. The appraisal is normally done after the Conditional Approval and has to be done before the Clear To Close. The Conditional Approval will let you know if you will be approved/denied moving forward.
Kyle Seagraves - Mortgage Advisor Thanks for your quick reply. I got the appraisal report yesterday but the lender never told me I had a conditional approval before the appraisal . So just waited to hear back from them now.
@@HS-lu1ln Oh no, that's a bummer! Check in with your lender and talk to them about where you're at. Transparency is key.
Ok I have a situation. I got preapproved for a mortgage loan and I’ve found the house. I’m going through the process, I put the house under contract, deposited the EMD and paid for the inspection. I just submitted my application but I’m nervous because about two weeks before I did the preapproval I applied for a business credit card through capital one and was approved for one with a 5k limit. Well I found out about a week ago that Capital one reported this card on my personal credit, and I charged 600 to it for my LLC. I was under the impression they would report to DUN and Bradstreet, NOT my personal credit report. So now this has hit my credit and it hasn’t done anything to my score, It dropped by 1 point, but I’m worried that the lender may see this if/when they run my credit again and it could be a problem since it wasn’t on my credit report when I did the preapproval. I’m kind of paranoid that this could cost me my mortgage loan if/when they run my credit again and I do not want to lose out on my loan because of this. I have not informed the loan officer yet. Any advice? (Btw, I have a full time job which is my main source of income but I do have my LLC established which I use to deposit money for my wholesaling real estate ventures, and it’s my LLC I applied for this business card for)
First, I wouldn't stress over this too much. $600 usually isn't enough to stop a mortgage from going through.
Talk to you lender about it. Most likely, they will catch it eventually since most lenders monitor credit inquiries throughout the loan process.
It's best just to be up-front with your loan officer so they can take a look and let you know (1) if it's even an issue at all or (2) a solution to fix the problem if needed.
How much should I worry about underwriting? My closing date is August 17th and going through appraisal and underwriting process. I’m worried sick. I sent over my checking&savings statement (May, June). I bought about $1000 worth of carpeting tools🤦🏻♀️(Pinterest does it to you), new grill $200, and new tv $500. I’m worried they will deny me because I spent too much😭😭😭
I wouldn't worry too much!
Contact your loan officer and give them a heads up. They'll be able to take a look and help you change any plans if needed :)
Kyle Seagraves → winthehouseyoulove.com
If I am in contract with a seller, and I find a more attractive rate from another lender is it okay to switch if I’m in the middle of the “in progress stage?” Will my realtor be able to communicate the change in lender to the seller to ensure proper communication?
Thank you for the video!
You can change, but first make sure that new lender will be able to hit the contract closing date.
Then, let your agent know that's what you want to do and they can communicate that to everyone. Then, make the switch.
❤️❤️
Thanks for watching :)
You are so awesome ! Can we have you home ? I will make an office for you 😃
😂 Thanks for the support!
That is why people like me are terrified to buy a f. House.
For who you made this video? Exactly! For ppl whi know already the terms. You drop terms and words that we don't understand bro. U make me mad with this pro video... BS
Buying a house can feel overwhelming and that's ok! When you run into terms you're unfamiliar with, it's a great place to start searching for those terms. That's the best way to learn :)
One video, no matter who it's by, will cover every single term. Real estate is complex, and complexity can't be solved in one video.
Can we private message I have a few questions regarding this
kyle@winthehouseyoulove.com
Very helpful
Glad you think so! Thank you!