We Offer Mortgages to All the Buyers of Our Homes

We offer mortgages to all the buyers of our homes and we have retained roughly 12 billion of mortgages on 300,000 homes. Now when a mortgage goes bad two people lose. The person owns the house loses and the person that owns the mortgage loses. And in our case we have this identity of interest we have no interest in selling anybody a house and having the mortgage default because it is a net loss to us.