 mortgage which is a bank they lend you money they get your loan application they study it they call you up they talk through the details with you they pre-qualify you to buy a house if you're a veteran they they inform you about the va programs if you're a first-time home buyer they'll talk to you about the fha program if you're a senior citizen you don't want to move but you just want to get the equity out of your house so that you can live a little bit