Mm-hmm.

So you, it doesn't have to be free and clear.

So from there, we would meet.

I would go over some pr- very high level proposed numbers.

Here's a fixed rate mor- reverse mortgage.

Here is a line of credit, uh, and maybe a proprietary loan, depending on the value.

Proprietary loans are for homes that are over a million dollars.

Yeah.

I didn't have keys, but there was something going on.

Now, the only time that I would see it, it is that if the house was worth less than the loan.

Then, obviously, the foreclosure is the process of taking the deed, for lack of better words, out of the owner's name and putting it into the lender's name.

So again, most times it's because the house is not worth as much, but in this day and age, that would be pretty rare to find.

I mean, they might be out there, but it would be pretty rare to find.

The only other way...

There are two other ways you can have a foreclosure happen.

[laughs]