Hi Curtis this is Eric from Mutual of omaha Mortgage. Trying to get a hold of you regarding the inquiry you had on Lending Tree. We are a VA based bank we don't charge veteran families any fees so we do tend to be a lot cheaper than most companies out there. Rates are at two year lows as well. So it's a great time to refinance. If you can give me a call back my phone number is 813-756-4724. Also gonna send you an email with some information about our company and some benefits that we offer that a lot of other companies as well. Thank you very much and I look forward to hear.