Just wanted to take the time and let all of you know how grateful I am to have been able to serve you previously, and looking forward to assisting and building more connections in the new year. Throughout the year, we have seen many rate hikes that posed a serious challenge for clients when qualifying for a mortgage. I appreciate your continued trust and confidence in my ability to help get you qualified. The good news is that we have not seen another rate hike since July. Hopefully we can begin to see the interest rates start coming down in the upcoming…