 Hi, this is Jay Garvins. The month of July, we celebrate our country's independence and look back at a long history of blessings, strength, and opportunity. We also remember all the patriots who have made this country great. But most importantly, we celebrate freedom. Freedom to live our lives to the fullest. One of our greatest blessings and opportunities in this country is home ownership. Many countries don't even have it. A home you can call home.