I am baffled after 30 years in this business that some people still think you can’t buy a home without 20% down. Let me tell you what’s a common loan product right now. And I just had a client this morning who felt like he couldn’t buy a home because he only had 10% down.And I actually share with him why he could consider three and a half percent down and hold on to some of his cash for the home improvements. There’s loan products available where you only need about three and a half percent down for the down payment. It can actually even be a gift from a family member. Is still has very attractive interest rates.It does have PMI and if you don’t know what PMI is, let me tell you, don’t listen to the Internet. It’s not a bad thing. It’s a good thing. And I’ll send you a video to explain how. Let me know if you have any questions. Thanks.