User3169user3169 31.2k22 gold badges3030 silver badges5757 bronze badges five I'd suggest introducing that, by stating "I am FirstName LastName", the speaker seems to be correcting a misperception that s/He's some other person. Present day mortgage loan rates30 year property finance loan rates5-yr ARM rates3-year ARM ratesFHA mortgage loan ratesVA mortgage https://zbigniewp013ecc2.signalwiki.com/user