do FHA loans are you? Yes Velocity Financial is FHA approved, were one of less than 15% of the lending institutions in Arizona that can do FHA financing, not only for buys but for refinancing as well. Which I reckon is some of the material we want to talk about as well because some of the ancient rules for refinancing simply dont apply any longer. Brett did you have anything to add? Yes, two equipment stood out to me in that discussion and one of the equipment was the larger depiction concept in my …