Okay, so as we were talking about the VA loans and everything like that, so I do use to see a lot of commercials, you do see me? And let's just say it's not even VA loans. But what type of this? What deceptive practices do you have seen I've seen a few online? And even when I first got into the business, you and I talked about one and I won't get into it. I won't say the name of the company. But I saw them advertised. And they were like a percent. One and a half percent lower on interest rate than what we were given people. I was like, how is that possible? So I came to you and we were sitting there talking, they're like, well, here's what they do. And they were they put it.

So where I might have been thinking a 30 year, they put down to like a five year and then they put down Well, you got to put down 50%. And you got to do this. And so but they're advertising, oh, you get this lowest interest rate where we can beat everybody. But they don't tell you it's suffering the little, little writing that nobody read, nobody can read or nobody does read on the screen of your TV. So you broke that down. He's like, Yeah, see, we can get there. But they got to do all this other stuff.

Right. And, you know, part of the problem is there's one out there advertising right now that's not on the VA, it's on a, you know, standard financier, you'd think it was standard financing. And they and they quote, a 15-year rate that's fairly low. And it's a 20%, down and all of this. So you think, Oh, this is a great deal. You look at it, when you look at it, you realize they're quoting an FHA loan. So even if you put 20% down, you still have mortgage insurance. And the mortgage insurance at that point adds point eight to the loan, which you just add that so let's say the rate was five and a half. If it adds point eight to the rate, your effective rate, not your APR yet your APR will be higher than this would be 6.3. It's very, very deceptive. It's, it's not right, in my book. No, it's legal. But it's not. Just because something's legal doesn't mean it's the right thing to do. That is correct. You know, and I think that's the that's one thing to look at. On the VA, though, I actually was looking up some things on VA and I came across the Consumer Financial Protection Bureau. And what they were saying they were talking about a lot of veterans get these mailings, and we do they do. And you and they appear as this says a sound too good to be true. And they appear official. And that's part of the issue, you got to make sure look at them to make you know because they're probably not official. It's very much like when you if you go online, and you put in VA loans, you'll see one of them comes up, I'm just guessing, but it will say va.com be like the first ad that comes up and you look at you go Oh va.com No. va.gov is where you want to go is where you want to go. va.com is just some lender trying to get your business, right. And they're trying to get it before you get to anybody else. So I don't know what they're trying to do. I just think like for most people, I think they're trying to find out directly from VA, not from some mortgage company. And I think that's where they need to go. So we look up that information. I just believe you give people the correct information, and let them make the right decision. But this is saying they're saying that you know, many of these solicitations promise extremely low-interest rates like you and I were talking about 1000s of dollars in cash back skip mortgage payments, no out-of-pocket costs, and no waiting period. This is directly from the Consumer Financial Protection Bureau. It says don't be fooled before responding to unsolicited offers. Here's what you need to know. The offers a skip one or two mortgage payments lender sometimes advertised this as a benefit of a VA rate mortgage refinance. In fact, VA prohibits a lender from advertising the skipping of payments as a means of obtaining cash...