 put down $150,000 and go to the closing table and get a mortgage and do a normal house transaction where you now own the house and you now have a 6% mortgage, which is what you should have done from the very first moment. And if you don't and you want to just transfer it and just take over, you can't take over the mortgage, get a new mortgage in the amount of the mortgage and what the bank is suggesting to you, that's fine too. I don't care. Get this house in your name now and shut up about your interest rate.