Current U.S. Bank mortgage rates (2022)

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How to read our rates

The mortgage rates shown assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a 20% down payment.
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount pointin exchange fora lower interest rate. Connect with a mortgage loan officer to learn more about mortgage points.

Check out the mortgage rates charts below to find 30-year and 15-year mortgage rates for our different mortgage loan offers.If you decide not to purchase mortgage discount points at closing, your interest rate may be higher than the rates shown here. To learn more about rates and to see what you may qualify for, contact a mortgage loan officer.

This table shows rates for conventional fixed-rate mortgages through U.S. Bank.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

(Video) Home mortgage loans - US Bank | Home Loans and Current Rates from Bank of America

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

This table shows rates for conventional fixed-rate mortgages through U.S. Bank.
TermRateAPR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

30-year fixed
20-year fixed
15-year fixed
10-year fixed

This table shows rates for adjustable-rate mortgages through U.S. Bank.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

(Video) Should You Get A Mortgage From A Bank Or A Mortgage Broker?
Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

This table shows rates for adjustable-rate mortgages through U.S. Bank.
TermRateAPR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

10-year ARM
7-year ARM
5-year ARM

This table shows rates for FHA mortgages through U.S. Bank.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

This table shows rates for FHA mortgages through U.S. Bank.
TermRateAPR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

30-year fixed - FHA

This table shows rates for VA mortgages through U.S. Bank.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

(Video) September 7th Mortgage Interest Rates Today || Interest Rate Update

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

This table shows rates for VA mortgages through U.S. Bank.
TermRateAPR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

30-year fixed - VA

This table shows rates for jumbo mortgages through U.S. Bank.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

Rate
APR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

This table shows rates for jumbo mortgages through U.S. Bank.
TermRateAPR

Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

Points

Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500.

(Video) What's the latest on mortgage rates

30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Contact us now to lock in your rate.

Our trusted mortgage loan officers will work with you to meet your lending needs. U.S. Bank offers competitive products and a proven stability that's backed by industry-leading financial metrics.

Find a mortgage loan officer

Mortgage interest rates vs. APR

The Annual Percentage Rate (APR) represents the true yearly cost of your loan. It includes the actual interest you pay to the lender, plus any fees or costs. That’s why a mortgage APR is typically higher than the interest rate – and why it’s such an important number when comparing loan offers.

Learn more about APR and interest rates

Get started

  • Find a mortgage loan officer
  • Call 877-303-1639
  • Request a call
  • Chat with a banker

If you’re ready to take the leap into homeownership, we can get you started on the right path.

Apply

(Video) Home mortgage loans - US Bank | Home Loans and Current Rates from Bank of America

FAQs

Will mortgage rates go up in 2022 USA? ›

With mortgage rates over 5% and even 6% for the first time since December 2018, many potential home buyers have found themselves wondering if rates are going to drop any time soon. Unfortunately for those seeking the historically low rates of the year prior, rates are expected to continue steadily increasing in 2022.

What are mortgage rates in the US right now? ›

  • 30-year fixed layer. Rate 6.625% APR 6.854% Points 0.740. ...
  • 20-year fixed layer. Rate 6.250% APR 6.574% Points 0.958. ...
  • 15-year fixed layer. Rate 5.500% APR 5.895% Points 0.945. ...
  • 10y/6m ARM layer variable. Rate 6.250% APR 6.155% ...
  • 7y/6m ARM layer variable. Rate 6.000% APR 5.849% ...
  • 5y/6m ARM layer variable. Rate 5.750% APR 5.657%

What is the interest rate at US bank? ›

How Do US Bank's Rates Compare to Other Banks?
BankChecking Account APY12-Month CD APY
U.S. Bank0.05%0.01%
Chase0.01%2.02%
PNC Bank0.01%0.02%
9 Jun 2022

What is the lowest mortgage rate in US history? ›

And it kept falling to a new record low of just 2.65% in January 2021. However, record-low rates were largely dependent on accommodating, Covid-era policies from the Federal Reserve.

Will interest rates go down in 2023 for mortgages? ›

Inflation and interest rate hikes have made it even more expensive to buy a home. Now, as demand slows, an economist says US home prices could fall as much as 20% in 2023. In addition, a slowing economy overall could bring 30-year mortgage rates back down.

Will home interest rates drop in 2023? ›

We project 2022 real gross domestic product (GDP) to be flat at 0.0 percent growth and to decline 0.5 percent in 2023, both on a Q4/Q4 basis.

What will mortgage rates be at the end of 2022? ›

But not everyone thinks market conditions will get so extreme in the last months of 2022, as seen in the variety within the following commentary from housing experts: Mortgage Bankers Association (MBA): We forecast the “average at the end of [the fourth quarter to be] 5.5%.

What will mortgage rates be in 5 years? ›

At the end of 2022, the 5-year fixed mortgage rate reaches 5.7%. In 2023, bond and mortgage rate declines correspond to policy interest rate normalization and an economic recovery.

What is a good interest rate on a house? ›

Right now, a good mortgage rate for a 15-year fixed loan is in the low- to mid-4% range, while a good rate for a 30-year mortgage is generally in the mid- to high-5% range. At the time this was written in Sept. 2022, the average 30-year fixed rate was 6.02% according to Freddie Mac's weekly survey.

Are interest rates going down in 2022? ›

Rates will continue to rise, as we've seen little to no change in the recent rate of inflation,” says Dennis Shirshikov, head of content for Awning, a portal for single-family investment properties.

Why are U.S. Bank interest rates so low? ›

During the pandemic, the U.S. personal savings rate reached an all-time high while bank loans decreased substantially. Due to the combination of these factors, banks have more money than they need and they do not need deposits, so they do not need to pay higher interest rates.

Why are mortgage rates so high? ›

The spike is largely the result of the Federal Reserve aggressively raising its benchmark interest rate to quash surging inflation. Higher borrowing costs have already begun to cut into sales.

Will mortgage rates go up in 2023? ›

Expect above-average rent price gains in 2023

“There's an anticipation that interest rates still have to rise in the next six months for the Fed to get inflation back into its comfort zone,” LaSalvia says. “And with that, mortgage rates are going to stay relatively high.”

What was the lowest mortgage rate in 2022? ›

As of September 30, 2022, the 30-year fixed mortgage rate is 7.04%, the FHA 30-year fixed rate is 7.16%, the VA 30-year fixed rate is 7.19% and the jumbo 30-year fixed rate is 5.90%.

What's the highest mortgage rates have ever been? ›

What were the highest mortgage rates in history? October 1981 saw 30-year FRM mortgage rates hit their historical peak at 18.45%.

What will mortgage rates be in 2026? ›

The bank makes the assumption that in 2025 and 2026, variable rate loans will cost 4.4 per cent in five years, while fixed rate loans will be slightly higher at 4.5 per cent.

Are mortgage rates expected to drop? ›

Prediction: Rates will rise

“We expect mortgage rates will remain volatile but elevated as markets continue to grapple with economic uncertainty and tighter monetary policy from the Federal Reserve. However, a strong job market and wage growth offer a slight reprieve and will continue to support housing demand.”

Is it a good idea to buy a house now? ›

Based on data, now is a good time to buy a house — and first-time buyers agree. According to Fannie Mae's National Housing Survey, more than 60% of renters would buy a home if their lease ended. Most expect rents to rise sharply in the next 12 months. The housing market may favor Fall home buyers.

Will interest rates go down in 2024? ›

The Federal Reserve is unlikely to pivot and cut its benchmark interest rate until 2024 at the soonest as it tries to crush the hottest inflation in four decades, according to Goldman Sachs strategists.

What is the average 30-year mortgage rate? ›

Today's national 30-year mortgage rate trends

For today, Saturday, October 01, 2022, the current average rate for a 30-year fixed mortgage is 6.83%, up 28 basis points compared to this time last week.

Why Did House Prices Fall in 2008? ›

Homeowners were upside down—they owed more on their mortgages than their homes were worth—and could no longer just flip their way out of their homes if they couldn't make the new, higher payments. Instead, they lost their homes to foreclosure and often filed for bankruptcy in the process.

Is it a good time to lock in mortgage rate? ›

As long as you close before your rate lock expires, any increase in rates won't affect you. The ideal time to lock your mortgage rate is when interest rates are at their lowest, but this is hard to predict — even for the experts. It's worth noting that interest rates could decrease during your lock period.

How high could interest rates go in 2022? ›

Looking even farther into the future, the Fed is bracing to lift rates to 4.5-4.75 percent by next year. Six officials, however, see rates soaring to 4.75-5.0 percent next year, which would be the highest since 2007 if it comes to fruition.

What makes mortgage rates go down? ›

If you can afford a 15-year mortgage with its higher payment, you'll get a lower interest rate. That's because it costs more to lend money for 30 years versus 15 years. If mortgage lenders can receive their money back in half the time (15 years), they'll reward borrowers for it with lower interest rates.

Will house prices fall when interest rates rise 2022? ›

Further rate rises are expected throughout 2022, which could dampen the housing market because it means mortgage repayments will increase. The cost of living crisis is likely to be the biggest cause of a slowdown in the housing market.

What will mortgage rates be in 2025? ›

Most people expect the interest rate on a 30-year fixed-rate loan to increase to 6.7% next year and reach 8.2% by 2025.

Should I lock my mortgage rate today 2022? ›

The Bottom Line

As of 2022, locking your rate sooner than later is likely to give you the best interest rate, as the Fed is expected to raise rates several more times this year if the job market continues to stay strong. Freddie Mac. “30-Year Fixed-Rate Mortgages Since 1971.”

What is considered a high interest rate on a loan? ›

A high-interest loan is one with an annual percentage rate above 36%, the highest APR that most consumer advocates consider affordable. High-interest loans are offered by online and storefront lenders that promise fast funding and easy applications, sometimes without checking your credit.

Is 5.25 a good interest rate? ›

From 2017 through 2020, the average ranged from as low as 4.42% to 5.5%. If your interest is around those averages or lower, then it's probably a good rate.

What is the prime rate today 2022? ›

The current Bank of America, N.A. prime rate is 6.25% (rate effective as of September 22, 2022). The prime rate is set by Bank of America based on various factors, including the bank's costs and desired return, general economic conditions and other factors, and is used as a reference point for pricing some loans.

Will interest rates rise in June 2022? ›

In March 2022 the BOE raised interest rates yet again, this time to 0.75%. In May and June 2022 the BOE raised the base rate by 0.25% on each occasion taking the base rate to 1.25%, the highest level in 13 years. Then in August 2022 the BOE increased the base rate by 0.5%, the biggest hike in 27 years.

What is the current interest rate? ›

Today's national mortgage rate trends

On Saturday, October 01, 2022, the current average 30-year fixed-mortgage rate is 6.83%, rising 28 basis points over the last week.

Is now the best time to remortgage? ›

The average rate on a two-year fixed-rate mortgage is now 4.74%, more than doubling from December's rate of 2.34%. A mortgage fixed for five years will now charge 4.75% on average, an increase from 2.64% in December 2021. This is the highest level since 2012.

Why should you avoid zero percent interest? ›

With such great financing offers, salespeople are often disinclined to come down on purchase price. Buyers should avoid overpaying just because of low-interest deals. Zero-interest loans promotions may attract buyers who fail to qualify for such programs.

Who benefits from higher interest rates? ›

Financials benefit from higher rates through increased profit margins. Brokerages often see an uptick in trading activity when the economy improves and higher interest income when rates move higher. Industrials, consumer names, and retailers can also outperform when the economy improves and interest rates move higher.

Where can I put my money to earn the most interest? ›

The following ideas can help you make a plan to save and maximize your interest earnings.
  • High-Yield Savings Account. ...
  • High-Yield Checking Account. ...
  • CDs and CD Ladders. ...
  • Money Market Account. ...
  • Treasury Bills.
8 Apr 2022

What is the mortgage interest rate UK? ›

Current rates:

The Bank of England Base Rate is 2.25%. The Standard Variable Mortgage Rate is 3.75%. The Homeowner Variable Rate is 5.24%.

Why are mortgage rates going up uk? ›

Rising home prices and income inequality priced many out of the market, but for strivers who aspired to homeownership, the latest ruptures to the economy hit hard. The release of the new government's sweeping plan for debt-funded tax cuts led to a big uptick in interest rates this week that roiled the mortgage market.

What will mortgage rates be at the end of 2022? ›

Mortgage rate predictions for late 2022

Freddie Mac and the Mortgage Bankers Association sit at the low end of the group, estimating the average 30-year fixed interest rate will settle at 5.4% and 5.5% for Q4.

How fast will interest rates rise in 2022? ›

In updated projections, the Fed signaled plans to lift rates by another 1.25 percentage points before the year is over, bringing the federal funds rate to 4.25-4.5 percent before 2022 comes to a close.

What will mortgage rates be in 5 years? ›

At the end of 2022, the 5-year fixed mortgage rate reaches 5.7%. In 2023, bond and mortgage rate declines correspond to policy interest rate normalization and an economic recovery.

How much will interest go up in 2022? ›

At the start of 2022, the average interest rate on a 60-month new car loan was 3.85%. But with today's increase, the interest rate could nudge up closer to 5.5% to 5.75%, says Bankrate's chief financial analyst Greg McBride.

Will mortgage rates go back down? ›

Rates aren't getting any lower, and the housing market is not going to collapse.” For current homeowners, unless you got your mortgage more than 10 years ago, you're likely better off waiting things out than trying to refinance right now. Instead, think about a home equity line of credit (HELOC) or home equity loan.

Will mortgages rates go down? ›

The rate on a 30-year fixed mortgage will fall to an average 4.5% in 2023, according to Fannie Mae. Rates have jumped more than two percentage points since the beginning of 2022, largely due to the Federal Reserve increasing borrowing costs.

What will interest rates be in 2023? ›

Fed's Daly: 'Comfortable' with 4.5%-5% Fed policy rate in 2023.

Will mortgage rates go down in 2024? ›

Despite these disappointing figures, the plan is still to increase interest rates in the coming months, with the Fed suggesting that the base rate could rise to 4.6% in 2024.

Is it a good time to lock in mortgage rate? ›

As long as you close before your rate lock expires, any increase in rates won't affect you. The ideal time to lock your mortgage rate is when interest rates are at their lowest, but this is hard to predict — even for the experts. It's worth noting that interest rates could decrease during your lock period.

What will interest rates be 2025? ›

Most people expect the interest rate on a 30-year fixed-rate loan to increase to 6.7% next year and reach 8.2% by 2025.

Will house prices fall when interest rates rise 2022? ›

Further rate rises are expected throughout 2022, which could dampen the housing market because it means mortgage repayments will increase. The cost of living crisis is likely to be the biggest cause of a slowdown in the housing market.

What will mortgage rates look like in 2024? ›

The average 20-year mortgage rate today is 4.825%. Prices in the futures market indicate that the Fed will cut rates in late 2024, sending the fed-funds rate down to 2.25%, the equivalent of two quarter-point cuts from the expected peak.

What will mortgage rates be in 2026? ›

The bank makes the assumption that in 2025 and 2026, variable rate loans will cost 4.4 per cent in five years, while fixed rate loans will be slightly higher at 4.5 per cent.

Will interest rates go up in July 2022? ›

Fed decision July 2022: Fed hikes interest rates by 0.75 percentage point.

Why are mortgage rates so high? ›

The spike is largely the result of the Federal Reserve aggressively raising its benchmark interest rate to quash surging inflation. Higher borrowing costs have already begun to cut into sales.

What is the prime rate today 2022? ›

The current Bank of America, N.A. prime rate is 6.25% (rate effective as of September 22, 2022). The prime rate is set by Bank of America based on various factors, including the bank's costs and desired return, general economic conditions and other factors, and is used as a reference point for pricing some loans.

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