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Our actual results may be materially different than our expectations due to a wide variety of risk factors, which we have identified and listed on this slide as well as in our earnings release and most recent filings with the Securities and ExchangeCommission, specifically our 2023 annual report on Form 10-K and subsequent 10-Qs.
Before we get started, today's call includes forward-looking statements as defined by the Private Securities Litigation Reform Act of 1995. Horton's Annual report on Form 10-K and its most recent quarterly report on Form 10-Q, both of which are filed with the Securities and ExchangeCommission. Although D.R. Good morning.
Before we get started, today's call includes forward-looking statements as defined by the Private Securities Litigation Reform Act of 1995. Horton's annual report on Form 10-K and our most recent quarterly report on Form 10-Q, both of which are filed with the Securities and ExchangeCommission. Although D.R.
Before we get started, today's call includes forward-looking statements as defined by the Private Securities Litigation Reform Act of 1995. Horton's annual report on Form 10-K, which is filed with the Securities and ExchangeCommission. FHA and VA loans accounted for 57% of the mortgage company's volume.
Please read and consider the risk factors in our SEC filings together with the content of today's call. In others, we restored commission refunds for customers who signed a buyer's agency agreement. The most significant of these initiatives is Redfin Next, which replaces agents-based salaries with higher commissions.
And lastly, the resale home market remains tight as existing buyers are hesitant to leave their low rate mortgages, which limits available inventory and helps to increase new home demand. So, those closings will happen until later, and we have accounted for that. As you guys know, lumber is actually starting to pick up, not down.
Our actual results may be materially different than our expectations due to a wide variety of risk factors, which we have identified and listed on this slide, as well as in our earnings release and most recent filings with the Securities and ExchangeCommission, specifically our 2022 Annual Report on Form 10-K and most recent 10-Q.
We welcome customers like Australian Stock Exchange, Boyd Gaming Corporation, HHS, Randstad, UHS of Delaware, and VXI Global Solutions as full-platform HCM and financials customers. Chikara brings over 25 years of experience in both SaaS, security, and cloud services from across Japan and APAC. Onset, and Swisscom.
Before we get started, today's call includes forward-looking statements as defined by the Private Securities Litigation Reform Act of 1995. Horton's annual report on Form 10-K and its most recent quarterly report on Form 10-Q, both of which are filed with the Securities and ExchangeCommission. Although D.R.
Our actual results may be materially different than our expectations due to a wide variety of risk factors, which we have identified and listed on this slide, as well as in our earnings release and most recent filings with the Securities and ExchangeCommission, specifically our 2023 annual report on Form 10-K and subsequent 10-Qs.
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