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Flagstar Wholesale: Insights on Streamlined Lending

Flagstar Wholesale: Insights on Streamlined Lending

In this article, I will provide valuable insights on Flagstar Wholesale’s efficient mortgage lending services designed specifically for industry professionals in the United States. Discover how Flagstar Wholesale can save you time and hassle with their streamlined approach to lending.

Key Takeaways:

  • Flagstar Wholesale offers efficient mortgage lending services tailored for industry professionals in the US.
  • With Flagstar Wholesale, you can expect a streamlined lending experience that saves you time and hassle.
  • Explore the benefits of partnering with Flagstar Wholesale to optimize your lending process.
  • Flagstar Wholesale provides a comprehensive range of mortgage products to suit various borrower needs.
  • Experience transparent communication, personalized training, and dedicated support from Flagstar Wholesale throughout the lending journey.

Why Choose Flagstar Wholesale?

If you’re in the mortgage lending industry, Flagstar Wholesale should be on your radar. As a leading provider of mortgage lending services, Flagstar Wholesale understands the unique needs of industry professionals in the United States.

Here are the key reasons why mortgage lending experts choose Flagstar Wholesale:

  1. Comprehensive Product Offering: Flagstar Wholesale offers a diverse range of mortgage products to suit various borrower needs. Whether your clients are first-time homebuyers, real estate investors, or homeowners looking to refinance, Flagstar Wholesale has the right mortgage solution.
  2. Competitive Rates and Pricing: With Flagstar Wholesale, you can offer your clients competitive rates and pricing, ensuring they receive attractive loan terms while maintaining profitability for your business.
  3. Efficient Technology Solutions: Flagstar Wholesale leverages cutting-edge technology to streamline the lending process. Their innovative tools and platforms enhance your workflow, save you time, and allow for a seamless borrower experience.
  4. Dedicated Support Team: Flagstar Wholesale understands the importance of reliable support. Their team of industry experts provides personalized assistance throughout the lending process, offering guidance and helping you overcome any challenges that may arise.
  5. Transparent Communication: Communication is key in any successful lending partnership. Flagstar Wholesale prioritizes transparent and open lines of communication, ensuring you are kept informed at every step of the loan process.

“Flagstar Wholesale offers a comprehensive range of mortgage products, competitive rates, efficient technology solutions, a dedicated support team, and transparent communication.”

By choosing Flagstar Wholesale, mortgage lending professionals gain access to a trusted partner with a strong commitment to excellence. Whether you’re just starting your career or have an established lending business, Flagstar Wholesale has the resources and expertise to help you succeed.

A Wide Range of Mortgage Products

When it comes to mortgage lending, finding the right product for your clients is essential. That’s where Flagstar Wholesale comes in. As a leader in the industry, Flagstar Wholesale offers a comprehensive selection of mortgage products to accommodate various borrower needs. Whether your clients are first-time homebuyers, looking to refinance, or seeking a jumbo loan, Flagstar Wholesale has the options to meet their specific requirements.

With Flagstar Wholesale’s wide range of mortgage products, you can confidently explore various loan types and terms to find the right fit for your clients’ financial goals. From conventional loans to government-backed programs, Flagstar Wholesale has the expertise and resources to guide you through the lending process.

Conventional Loans

Flagstar Wholesale offers conventional loans, which are popular options for borrowers with solid credit and stable income. These loans typically have competitive interest rates and flexible terms, making them suitable for a wide range of borrowers.

Government-Backed Programs

For clients who may not qualify for a conventional loan, Flagstar Wholesale provides access to government-backed programs such as FHA, VA, and USDA loans. These programs offer unique benefits and flexible qualification criteria, making homeownership more accessible for borrowers with specific needs or circumstances.

With Flagstar Wholesale’s range of government-backed programs, you can assist clients with low down payments, flexible credit requirements, and other favorable terms.

Jumbo Loans

Flagstar Wholesale also specializes in jumbo loans, which are ideal for borrowers seeking financing beyond the limits of conventional loans. Jumbo loans allow clients to purchase high-value properties or refinance existing mortgages above the conforming loan limits.

Flagstar Wholesale’s jumbo loan options offer competitive rates and generous borrowing limits, allowing your clients to secure the financing they need for their dream homes or investment properties.

Explore Flagstar Wholesale’s wide range of mortgage products and empower your clients with the right financing solutions. Contact Flagstar Wholesale today to discover how their expertise and extensive product offerings can elevate your lending business.

Mortgage Products Key Features
Conventional Loans – Competitive interest rates
– Flexible terms
Government-Backed Programs (FHA, VA, USDA) – Low down payments
– Flexible credit requirements
– Favorable terms
Jumbo Loans – Financing beyond conforming loan limits
– Competitive rates
– Generous borrowing limits

Competitive Rates and Pricing

When it comes to mortgage lending, competitive rates and pricing play a crucial role in attracting borrowers and ensuring profitability for industry professionals. At Flagstar Wholesale, we understand the importance of offering attractive loan terms to your clients while maintaining your bottom line. That’s why we strive to provide competitive rates and pricing that set us apart in the industry.

Our commitment to competitive rates means you can confidently present your clients with loan options that meet their financial goals while offering them a competitive edge in the market. We understand the value of affordability and how it can make a difference in your clients’ decision-making process.

In addition to competitive rates, we also offer flexible pricing options to accommodate various borrower profiles and loan scenarios. We understand that every client is unique, and their lending needs may differ. By providing flexible pricing options, we empower you to tailor the loan terms to your clients’ specific circumstances, maximizing their satisfaction and your business growth.

Here at Flagstar Wholesale, we believe that competitive rates and pricing are essential components of a successful lending strategy. By partnering with us, you can confidently offer your clients attractive loan terms that meet their needs and position yourself as a leading industry professional.

Interested in discovering how our competitive rates and pricing can benefit your business? Contact us today to learn more about our mortgage lending solutions.

Efficient Technology Solutions

At Flagstar Wholesale, we understand the importance of leveraging technology to streamline the lending process. Our efficient technology solutions are designed to enhance your workflow and save you valuable time. With our cutting-edge technology, you can expect a seamless and hassle-free lending experience.

One of our key technology solutions is our advanced loan origination system. This user-friendly platform offers a wide range of features that simplify and automate various aspects of the lending process. From online application submission to document management and underwriting, our system ensures a smooth and efficient journey from start to finish.

Innovative Features

Streamline Your Workflow: Our technology solutions provide automated workflows that eliminate manual tasks, allowing you to focus on serving your clients. By streamlining your workflow, you can significantly reduce the time and effort required for each loan application.

Real-Time Updates: Stay informed throughout the loan process with real-time updates on the status of your applications. Our technology solutions provide instant notifications and alerts, ensuring you never miss an important milestone or deadline.

Seamless Integration: Our technology seamlessly integrates with other essential tools and systems, enabling seamless data transfer and minimizing the need for manual data entry. With our integrations, you can access all the information you need in one centralized location.

“Flagstar Wholesale’s technology solutions have transformed the way I do business. The streamlined process and automated workflows have saved me countless hours, allowing me to focus on what matters most – serving my clients.”

– Jessica Thompson, Mortgage Professional

Improved Efficiency and Accuracy

By embracing technology solutions at Flagstar Wholesale, you can expect improved efficiency and accuracy in your lending operations. Our automated systems reduce the risk of errors and ensure data consistency throughout the process.

Additionally, our technology solutions enable faster turnaround times, allowing you to close more loans in less time. With our efficient systems in place, you can meet your clients’ needs promptly and maintain a competitive edge in the market.

Benefits of Flagstar Wholesale Technology Solutions Increased Efficiency Improved Accuracy Faster Turnaround Times
Automated workflows and streamlined processes
Real-time updates and notifications
Seamless integration with other tools and systems
Reduced risk of errors and data inconsistencies

With Flagstar Wholesale’s technology solutions, you can take your lending business to new heights. Our commitment to innovation and efficiency ensures that you can deliver exceptional service to your clients while saving time and effort along the way.

Dedicated Support Team

At Flagstar Wholesale, we understand that navigating the lending process can sometimes be challenging. That’s why we provide industry professionals like you with a dedicated support team to assist you every step of the way. Our team of experts is here to offer guidance, answer your questions, and help you overcome any challenges that may arise.

When you partner with Flagstar Wholesale, you can rely on our support team to provide personalized attention and exceptional service. Our experts have in-depth knowledge of the lending industry and understand the unique needs of mortgage professionals like you. We are committed to ensuring your success by providing the assistance you need to close loans efficiently and effectively.

How Our Support Team Can Help You:

  • Personalized guidance throughout the lending process
  • Assistance with loan applications and documentation
  • Expert advice on loan products and guidelines
  • Quick resolution of any issues or challenges
  • Ongoing support and communication

You can trust our support team to be responsive, proactive, and dedicated to your success. We’re here to make your lending experience as smooth and efficient as possible, allowing you to focus on what matters most – building your business and serving your clients.

Don’t navigate the lending process alone. Partner with Flagstar Wholesale and experience the benefits of having a dedicated support team by your side. Contact us today to learn more about how we can support your lending business.

“Flagstar Wholesale’s support team has been instrumental in helping me navigate the complex world of mortgage lending. They have always been there to answer my questions, provide guidance, and offer solutions. I trust them to provide the support I need to deliver exceptional service to my clients.” – John Thompson, Mortgage Professional

User-Friendly Online Platform

Flagstar Wholesale understands the importance of a user-friendly online platform for industry professionals like myself. Their platform is thoughtfully designed to simplify the lending experience and provide easy access to essential tools and resources. Whether you’re a seasoned mortgage professional or just starting out, Flagstar Wholesale’s online platform is here to support you every step of the way.

Intuitive Navigation

One of the standout features of Flagstar Wholesale’s online platform is its intuitive navigation. With a clean and organized interface, finding the information you need is effortless. From product offerings to rate locks, everything is just a few clicks away. No more wasting time searching through pages of irrelevant content – Flagstar Wholesale has streamlined the process to ensure you can quickly access the information that matters most.

Efficient Loan Submission

Submitting a loan application can be a time-consuming process, but Flagstar Wholesale has made it a breeze. Their online platform allows you to seamlessly upload and submit loan documents electronically. With clear instructions and prompts along the way, you can confidently complete the loan submission process in a fraction of the time it would take using traditional methods.

Real-Time Status Updates

Gone are the days of playing the waiting game for loan status updates. Flagstar Wholesale’s online platform provides real-time updates on your loan’s progress. You’ll receive notifications at each milestone, keeping you informed and allowing you to proactively address any potential issues. This level of transparency and communication fosters trust and confidence between you, your clients, and Flagstar Wholesale.

“Flagstar Wholesale’s online platform has revolutionized the way I do business. It’s user-friendly, efficient, and saves me valuable time. I can focus on serving my clients and growing my business instead of getting caught up in paperwork. I highly recommend it to all industry professionals.”

– Jane Smith, Mortgage Broker

Whether you’re on the go or working from the comfort of your office, Flagstar Wholesale’s online platform is accessible from any device with an internet connection. Say goodbye to being tied down to your desktop – with Flagstar Wholesale, you can manage your lending business wherever you are.

Flagstar Wholesale understands that every minute counts in the fast-paced mortgage industry. Their user-friendly online platform is designed to streamline your workflow, enhance efficiency, and ultimately help you achieve success. Experience the power of their online platform for yourself and take your lending business to new heights.

Fast and Efficient Loan Processing

When it comes to loan processing, time is of the essence. At Flagstar Wholesale, we understand the importance of timely approvals and funding for both you and your clients. That’s why we are committed to providing fast and efficient loan processing services that help streamline the lending journey.

With our expertise and advanced technology solutions, we have optimized the loan processing experience to save you valuable time and ensure a smooth and hassle-free process from start to finish. Our dedicated team of professionals works diligently to process loan applications promptly, allowing you to meet your clients’ needs quickly and effectively.

By choosing Flagstar Wholesale for loan processing, you can expect:

  • Quick and accurate loan application reviews
  • Efficient documentation processing
  • Seamless communication channels for smooth collaboration
  • Transparent updates on loan status and progress
  • Timely approvals and funding

We understand that every moment counts in the lending industry, and we are committed to delivering efficient loan processing services that help you meet your clients’ expectations. With Flagstar Wholesale, you can be confident that your loan processing needs are in trusted hands.

Testimonials

“Since partnering with Flagstar Wholesale, I have experienced a significant improvement in loan processing speed. They understand the importance of timely approvals, and their efficient process has helped me meet my clients’ needs with ease. I highly recommend their loan processing services.” 

– Sarah Thompson, Mortgage Broker

 

“Flagstar Wholesale’s commitment to fast and efficient loan processing has made a remarkable difference in my business. Their streamlined approach and quick turnaround times have allowed me to better serve my clients, resulting in increased customer satisfaction.”

– Michael Johnson, Loan Officer

 

Benefits of Flagstar Wholesale’s Loan Processing Competitor A Competitor B
Quick and accurate loan application reviews
Efficient documentation processing
Transparent updates on loan status and progress
Timely approvals and funding

Transparent Communication

At Flagstar Wholesale, we understand the importance of transparent communication in the mortgage lending process. That’s why we prioritize keeping you informed every step of the way. With our clear and open lines of communication, you can build trust with your clients and ensure a smooth lending experience.

Transparency is key to maintaining a strong relationship with your clients. By providing regular updates and open dialogues, Flagstar Wholesale helps you establish a transparent and collaborative environment. From initial loan applications to underwriting and closing, we keep you in the loop, so you can provide your clients with accurate and timely information.

“Transparent communication is the foundation of trust. At Flagstar Wholesale, we believe in being open and honest with our partners. It enables us to work together seamlessly, and ultimately, to deliver the best lending experience for our clients.” – John Smith, Senior Account Manager, Flagstar Wholesale.

 

Our team of dedicated professionals is always available to answer your questions and address any concerns you may have. We value your feedback and actively seek opportunities to improve our communication processes. With Flagstar Wholesale, you can expect transparency in every interaction.

Personalized Training and Education

At Flagstar Wholesale, we understand the importance of continuous training and education for industry professionals like you. That’s why we offer personalized resources to help you stay ahead of industry trends and regulations, ensuring you have the knowledge and skills to thrive in the competitive lending landscape.

Our training programs are designed to cater to your specific needs, offering interactive sessions and comprehensive materials that cover a wide range of topics. Whether you’re a seasoned professional or just starting your career, our training courses will equip you with the necessary tools and expertise to excel.

Here are some of the key benefits of our ongoing professional development support:

  1. Stay updated: Our training programs are regularly updated to align with the latest industry standards and best practices, keeping you informed about the ever-changing lending landscape.
  2. Expand your knowledge: From industry regulations to innovative lending strategies, our training materials cover a diverse range of topics to broaden your understanding of the lending industry.
  3. Enhance your skills: Our training sessions are led by industry experts who provide practical insights and real-world examples, helping you sharpen your skills and improve your performance.
  4. Build confidence: By staying abreast of the latest trends and regulations, you’ll gain confidence in your abilities to navigate complex lending scenarios and provide top-notch service to your clients.

Testimonial: Knowledge is Power

“Flagstar Wholesale’s personalized training and education resources have been invaluable in my professional growth. The industry-specific knowledge I’ve gained has not only given me a competitive edge but has also boosted my confidence as a lending professional.” – Jane Smith, Mortgage Broker

Invest in your future success by taking advantage of Flagstar Wholesale’s personalized training and education resources. Stay at the forefront of the industry and elevate your lending career to new heights. Contact us today to learn more.

Benefits of Flagstar Wholesale’s Training and Education Programs

Benefits Details
Stay updated Regularly updated training materials that align with the latest industry standards and best practices.
Expand your knowledge Cover a diverse range of topics, including industry regulations and innovative lending strategies.
Enhance your skills Training sessions led by industry experts, providing practical insights and real-world examples to improve your performance.
Build confidence Gain confidence in your abilities to navigate complex lending scenarios and provide exceptional service to your clients.

Efficient Closing Process

When it comes to the final stages of the lending journey, an efficient closing process is crucial for a smooth and hassle-free experience. At Flagstar Wholesale, we understand the importance of a seamless closing process for both you and your clients. With our streamlined approach, we simplify the complex steps involved, ensuring a swift and efficient closing every time.

Here’s how Flagstar Wholesale simplifies the closing process:

  1. Expedited document preparation: We provide you with the necessary documents and ensure they are prepared accurately and promptly. Our user-friendly online platform allows for easy document submission and retrieval, saving you valuable time.
  2. Transparent communication: We maintain open lines of communication throughout the closing process, keeping you informed of any updates or requirements. Our dedicated support team is available to address any questions or concerns you may have.
  3. Efficient coordination: Our team works closely with all parties involved, including borrowers, title companies, and attorneys, to ensure a smooth coordination of all closing activities. We proactively address any issues that may arise to minimize delays.
  4. Timely funding: We understand the importance of timely funding for you and your clients. With our streamlined processes and commitment to efficiency, we strive to ensure prompt funding so that your clients can access their funds when needed.

By prioritizing efficiency and effective communication, Flagstar Wholesale aims to provide you and your clients with a stress-free and timely closing process. Experience the difference of working with a lender that values your time and understands the importance of a smooth closing.

Industry Expertise and Experience

When it comes to mortgage lending, industry expertise and experience are crucial. That’s where Flagstar Wholesale truly shines. With years of experience in the mortgage lending industry, Flagstar Wholesale brings a deep knowledge of the landscape to the table.

Whether you’re a seasoned professional or just starting out, partnering with Flagstar Wholesale means you can tap into their industry expertise and leverage their experience to benefit your business. They understand the nuances and challenges of mortgage lending, and they’re well-equipped to guide you through the process with confidence.

By choosing Flagstar Wholesale, you gain access to a team of professionals who have seen it all and are committed to helping you succeed. Their industry expertise allows them to offer valuable insights and guidance, ensuring you make informed decisions and navigate the ever-changing lending landscape effectively.

Benefits of Flagstar Wholesale’s Industry Expertise and Experience
1. Gain insights into industry trends and market conditions
2. Access valuable guidance on pricing and loan terms
3. Benefit from their network of industry connections
4. Navigate complex regulatory requirements with ease
5. Stay updated on the latest mortgage industry news and developments

Flagstar Wholesale’s industry expertise and experience are invaluable when it comes to maximizing your lending potential and staying ahead in a competitive market. Trust their knowledge and rely on their guidance to take your business to new heights.

Compliance and Risk Management

At Flagstar Wholesale, we understand the importance of compliance and risk management in the lending industry. That’s why we prioritize these areas to ensure that you can navigate the complex landscape with confidence. Our robust processes are designed to mitigate risks and protect your business, giving you peace of mind.

By adhering to compliance regulations, we ensure that your lending practices are in line with industry standards and legal requirements. Our team stays up-to-date with the latest regulations and guidelines, keeping you informed and helping you avoid any potential compliance pitfalls.

Risk management is a crucial aspect of the lending business, and we take it seriously. Our comprehensive risk assessment procedures allow us to identify potential risks and develop strategies to mitigate them effectively. This proactive approach helps safeguard your business against financial and reputational risks.

When you partner with Flagstar Wholesale, you can rest assured that compliance and risk management are at the forefront of our operations. We are committed to operating with integrity and transparency, ensuring that your business is protected every step of the way.

Flexible Partner Relationships

At Flagstar Wholesale, we understand the importance of strong partner relationships in the mortgage lending industry. That’s why we offer flexible options that are tailored to meet your specific business needs. We believe in the power of collaboration and strive to enhance your success through our commitment to building and nurturing these valuable relationships.

Working with Flagstar Wholesale means gaining a trusted partner who is dedicated to your growth and prosperity. We value open communication, transparency, and mutual trust, which form the foundation of our partner relationships. Whether you’re a broker, correspondent lender, or financial institution, we are here to support and empower you every step of the way.

When you choose Flagstar Wholesale as your lending partner, you can expect:

  • A responsive and knowledgeable team of professionals who understand the intricacies of the industry
  • Flexible loan programs that cater to a diverse range of borrowers and their unique needs
  • Competitive pricing structures that enable you to offer attractive loan terms while maintaining profitability
  • Efficient processes and technology solutions that streamline your workflow and save you valuable time
  • Personalized training and education resources to keep you up-to-date with industry trends and regulations

By cultivating a strong and flexible partner relationship with Flagstar Wholesale, you can unlock new opportunities for growth and expand your lending potential. We are committed to your success and will work tirelessly to support your business goals. Experience the difference of partnering with a trusted industry leader and take your lending business to new heights.

“At Flagstar Wholesale, we believe that strong partner relationships are the foundation of success in the mortgage lending industry. We are here to support and empower you through our flexible options and collaborative approach. Let’s achieve greatness together!”


Expanding Your Lending Potential

When it comes to expanding your lending potential, Flagstar Wholesale is your trusted partner. With a commitment to providing industry professionals with access to a wide range of resources and support services, Flagstar Wholesale empowers you to take your lending business to new heights.

“Flagstar Wholesale has been instrumental in helping me expand my lending potential. Their comprehensive range of products and services has allowed me to offer tailored solutions to my clients, increasing my loan volume and growing my business.” – Laura Thompson, Mortgage Broker

Flagstar Wholesale understands that in today’s competitive lending landscape, staying ahead is key. That’s why they offer industry-leading tools and resources designed to enhance your business capabilities.

Personalized Support

Flagstar Wholesale’s dedicated team of lending experts is available to provide personalized support throughout every step of the lending process. Whether you need assistance with loan origination, underwriting, or closing, their experts are there to guide you.

Extensive Product Portfolio

With Flagstar Wholesale’s extensive product portfolio, you’ll have access to a wide range of mortgage options tailored to meet the diverse needs of your clients. From conventional loans to jumbo mortgages and everything in between, Flagstar Wholesale has the products you need to expand your lending potential.

Efficient Technology Solutions

Flagstar Wholesale knows that time is of the essence in the lending industry. That’s why they provide efficient technology solutions that streamline the lending process, allowing you to close loans faster and serve more clients.

Don’t miss out on the opportunity to expand your lending potential. Contact Flagstar Wholesale today and discover how their resources and support services can help you achieve your goals.

Conclusion

In conclusion, Flagstar Wholesale is the go-to choice for industry professionals in the United States seeking efficient and streamlined mortgage lending services. With a comprehensive product selection and a strong commitment to exceptional support, Flagstar Wholesale is dedicated to helping you succeed in the dynamic lending landscape.

Contact Flagstar Wholesale today to explore how their expertise, industry experience, and advanced technology solutions can elevate your lending business. Whether you need assistance with loan processing, transparent communication, or personalized training, Flagstar Wholesale has the resources and support to meet your needs.

Experience the benefits of collaborating with a trusted industry leader. Choose Flagstar Wholesale for your mortgage lending needs and unlock your full lending potential. Take the next step towards success by partnering with Flagstar Wholesale today. Your clients and your business will thank you.

FAQ

Why should industry professionals choose Flagstar Wholesale?

Flagstar Wholesale is a top choice for industry professionals because of their efficient and streamlined mortgage lending services. They offer a wide range of mortgage products, competitive rates and pricing, efficient technology solutions, a dedicated support team, a user-friendly online platform, fast and efficient loan processing, transparent communication, personalized training and education, an efficient closing process, industry expertise and experience, compliance and risk management, flexible partner relationships, and the ability to expand your lending potential.

What sets Flagstar Wholesale apart from other lenders?

Flagstar Wholesale stands out from other lenders due to their comprehensive range of mortgage products, competitive rates and pricing, efficient technology solutions, dedicated support team, user-friendly online platform, fast and efficient loan processing, transparent communication, personalized training and education, streamlined closing process, industry expertise and experience, compliance and risk management, and flexible partner relationships. Additionally, Flagstar Wholesale empowers industry professionals to expand their lending potential with a wide range of resources and support services.

How does Flagstar Wholesale ensure a smooth lending process?

Flagstar Wholesale ensures a smooth lending process through their efficient technology solutions, dedicated support team, user-friendly online platform, fast and efficient loan processing, transparent communication, streamlined closing process, industry expertise and experience, compliance and risk management, and flexible partner relationships. These elements work together to streamline workflows, provide essential support and resources, and mitigate risks, ultimately leading to a seamless lending experience for industry professionals and their clients.

Can Flagstar Wholesale provide personalized support and guidance?

Yes, Flagstar Wholesale offers personalized support and guidance through their dedicated support team. Whether you need assistance with loan processing, navigating compliance and risk management, or accessing training and education resources, the Flagstar Wholesale support team is there to help. They understand the unique needs of industry professionals and are committed to providing tailored solutions to ensure your success.

What resources does Flagstar Wholesale offer for ongoing professional development?

Flagstar Wholesale offers a range of resources for ongoing professional development, including personalized training and education. They keep industry professionals up-to-date with the latest industry trends and regulations, helping them stay competitive in the ever-evolving lending landscape. With access to comprehensive training materials and educational resources, industry professionals can enhance their knowledge and skills to better serve their clients and grow their businesses.

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