Hey guys, Ryan DeMent here from TruVest hope you guys are having a great day on this podcast we are going to talk about closing costs for a mortgage and this example is going to be on an FHA loan for $80,000 the reason why I’m doing this is we get a lot of people telling us that they think buying a home with a mortgage, you’re going to come zero out of pocket. Well, there are some loans that are that way. There’s a VA and there’s a USDA that I know of and guess what? You have to be a veteran to get that or USDA is you basically live in a rural area. Well everywhere we’re working at right now is not rural and the individuals that are coming to us right now are not veterans. The veterans that we are working with totally understand this process and willing to work through it, but most people that we’re talking to and we educate them upfront that they literally need to have 4.5 percent of the purchase price in their bank today to make this purchase work. If you have any questions, comments, please feel free to reach out to me. Look forward to talking to you guys. Have a great day.