 Okay, crew, here's something to think about for the summer. If you have a home with a great mortgage on it, great interest rate, you can't touch it, right? But if you want to consolidate debt, fix up the house, you need to look at a fixed rate second mortgage. We're one of the only lenders that have a 30-year fixed rate on a second mortgage. So $15,000 in a credit card, for example, is like a $500 a month payment. $15,000 in a fixed second is $120 a month instead of $500. You can pay that credit card off in half the time. So give us a buzz, 525-2222, or find us at brandonhansenmortgage.com.