 When I check in with Andrew Del Rey and Todd Avakian, and they're lenders with Sierra Pacific Mortgage, they lend people money who want to buy a house. They lend it to veterans who are buying a house, don't have to put any money down. They lend it to first-time homebuyers who are FHA qualified. They do HELOCs, Home Equity Line of Credit, for people who are oppressed. But AndrewandTodd.com, Andrew Del Rey, Todd Avakian, always stress to me that they take as long as it takes with a senior