 And don't go to a mortgage broker because they don't even work for the company that's going to underwrite your loan. They can't even order the appraisal. Everything's got to be done through a third party. I'm a direct lender. I'm in all 50 states. No middleman right here, baby. Everything done right here. From origination to funding, I even service my own loans. That's what you get for the loan arranger.