When you're talking to a professional like yourself and you're getting all the options that are out there, you really need to find out exactly what your target is and the type of loan that you're looking to apply.

That's a good point, Dale.

There are many programs out there that allow for you to buy a home without, in some cases, even without anything down.

So you shouldn't discourage someone from looking if they don't have a large down payment, particularly if they're in a situation where they're paying, for instance, and everybody's situation is different.

But let's say if you're paying high rent and it's just a lot wiser for you to purchase, then go ahead and Obviously, in that case, take the plunge without having a large down payment.

One thing that people keep in mind, and it has kind of a bad reputation, is purchase mortgage insurance.

You know, many folks go that route.

And is, uh, is that different from like a standard second mortgage? What are the different programs that are available there?