Hi, this is Josh calling. We spoke some time ago about a refinance on your home, but the timing wasn't good for you. I wanted to reach out again because we have some brand new programs and interest rates that I really want to tell you about. We literally had lowest interest rates in the history of our country, and you don't need perfect credit to get them. You can even get those low rates while pulling cash out of your home for renovations or debt consolidation or anything else you want cash only downside obviously is the interest rates will not be this low for very long. So I need to get you locked in as soon as possible. Give me a call back as soon as you can so we can do that for you. If I'm not available. Please feel free to talk to one of my colleagues. We do need to get you locked in right away. Talk to you soon.