 I am Janelle Morgan with the Janelle Morgan team at Remax Results, and I have been a realtor for 20 years. I'm proud to say that I am endorsed by the Dave Ramsey team. I live by the Dave Ramsey principles. I'm not in it just for the sale. I want to make sure that my client can afford that property, can afford the monthly payments of that property. It's not get the sale done and move on to the next sale. We actually will sit down and go over the monthly payments with the lender and make sure that you can afford that.