FHA Home Mortgage Purchase or Refinance Loan - Why You Might Consider Getting an FHA Loan

Most borrowers have heard of FHA home loans. They are very common. You hear about them mostly as loans for first time borrowers, which is common. However, most people don't realize that FHA loans can also be does for refinancing. They are not only for purchasing a house.

HUD owns and operates FHA, which is a program designed to help borrowers who might have difficulty buying a house. If the borrower falls within FHA's requirements FHA insures the loan for the lender, which makes the loan very low risk for the lender, which is very good for the borrower. It could mean a lower interest rate, better terms and just an overall better loan.

FHA's requirements are; a down payment of 3-5%, the home must be under the FHA's set loan limit for the county that the borrower lives in and a few other small requirements.

The main advantage to an FHA loan, is if you can fall within their requirements, your credit history or income level, will not hold you back from getting a home loan. If you are getting turned down from other lenders because of a high debt to income ratio or because your credit is bad. You may want to consider applying for an FHA loan, where those requirements are either non-existant or much more flexible.

If the idea of down payment is holding you back, consider also, that FHA loans allow the use of a non-profit organization as a source for the down payment, which opens up the option of using down payment assistance programs like Neighborhood Gold.

To view our list of recommended mortgage lenders online, who offer FHA programs, visit this page: Recommended Lenders for FHA Loans Online.

Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.

In The News:

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chicagotribune.com/business/chi-upside-down-mortgage-monoct13,0,2329863.storycid=1257260377ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNG5R--w8RRWt1t2iYXlT4ala-fNlwbMortgage/b crisis has turned homeownership upside down/abrfont size=-1font color=#6f6f6fChicago Tribune,nbsp;United Statesnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1quot;If you have some kind of disruption to your income and you can#39;t make your bmortgage/b payment, it#39;s going to be very hard for you to brefinance/b or anything b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.mondaq.com/article.asp%3Farticleid%3D67736cid=1257311699ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNHi_xW5yp9_HR0emyvESACuJN985gThe Paulson Proposal: An Update On Economists´ Views/abrfont size=-1font color=#6f6f6fMondaq News Alerts (subscription),nbsp;UKnbsp;-/font nobr36 minutes ago/nobr/fontbrfont size=-1The bmortgage refinance/b programs may be given serious consideration once the basic operation of the banking system has stabilized. In the very brief history b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.killerstartups.com/Web20/freehomerefi-com-mortgage-refinancing-resourcescid=0ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNE9RmhogF4JpjELjqLHV6eL2MsnKgimg src=http://news.google.com/news?imgefp=zNlM1I2xSEIJimgurl=www.killerstartups.com/graficos/killer-data1.jpg width=80 height=29 alt= border=1brfont size=-2Killer Startups/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.killerstartups.com/Web20/freehomerefi-com-mortgage-refinancing-resourcescid=0ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNE9RmhogF4JpjELjqLHV6eL2MsnKgFreeHomeRefi.com - bMortgage Refinancing/b Resources/abrfont size=-1font color=#6f6f6fKiller Startups,nbsp;FLnbsp;-/font nobrOct 10, 2008/nobr/fontbrfont size=-1It is a handful resource for people who want to have their bmortgage refinancing/b done in a simple way. “Free Home Refi is committed to providing consumers b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.newsday.com/news/printedition/longisland/ny-livoice135881819oct13,0,6929750.storycid=1257173810ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNG3MukTQk3P8QxghM_66j-1mIjXzwFreeport family battered by struggling economy/abrfont size=-1font color=#6f6f6fNewsday,nbsp;NYnbsp;-/font nobr9 hours ago/nobr/fontbrfont size=-1Joan Fennell said her bmortgage/b broker quot;promisedquot; verbally she could brefinance/b again within the year into a fixed-rate loan and she assumed she#39;d earn enough b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.usatoday.com/money/economy/2008-10-12-congress-meltdown_N.htmcid=1255977840ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNEx6ZuUxbKiIs1S7HCtMrndzTht1gimg src=http://news.google.com/news?imgefp=2fYsXmy1T0sJimgurl=images.usatoday.com/news/_photos/2008/10/12/mug-chrisdodd.jpg width=57 height=80 alt= border=1brfont size=-2USA Today/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.theglobeandmail.com/servlet/story/LAC.20081013.RBANKSEXPLAINER13/TPStory/Businesscid=1255977840ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNFx-D8nord3V1qAyDPkJ1f-aAyvvQFrom subprime to stock swoon/abrfont size=-1font color=#6f6f6fGlobe and Mail,nbsp;Canadanbsp;-/font nobr9 hours ago/nobr/fontbrfont size=-1Borrowers were led to believe that they would be able to brefinance/b their homes at this point because the value of the property would have increased. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/10/11/AR2008101100149.htmlcid=1255977840ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNFsTx9ZRvyx6XyBrX1U2S-vclDq2AARM Holders Would Do Well to Shop Around Now/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.zwire.com/site/news.cfm%3Fnewsid%3D20161858%26BRD%3D1675%26PAG%3D461%26dept_id%3D18168%26rfi%3D6cid=1255977840ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNGhYbCIdrR9uPq45Bu4ugkTD-CVcwLetter: Economic trauma can#39;t be excused/a font size=-1 color=#6f6f6fnobrThe Delaware County Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.istockanalyst.com/article/viewiStockNews%2Barticleid_2699695.htmlcid=1255977840ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNED7eMxA-r2RVk0qghwgJI5HCFkMgEDITORIAL: Let Bailout Money Trickle Up, Not Down/a font size=-1 color=#6f6f6fnobristockAnalyst.com (press release)/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.oregonlive.com/news/argus/index.ssf%3F/base/news/122366463283640.xml%26coll%3D6cid=1255977840ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNGpanCcoqM23CW5v6Jl0H63GI6IfAnobrHillsboro Argus - OregonLive.com/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://vdare.com/roberts/081009_solution.htmcid=1255977840ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNGIfNNKoHzrdnQFCb1_Dt5GEzVGlQnobrVDARE.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255977840hl=ennobrall 255 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.csmonitor.com/2008/0922/p14s01-wmgn.htmlcid=1250039486ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNGjfeaoAYAjLu0QhKb2_RyV3t98aQimg src=http://news.google.com/news?imgefp=G3YZ8nTFHc0Jimgurl=www.csmonitor.com/2008/0922/csmimg/FMORTGAGE_P1.jpg width=80 height=59 alt= border=1brfont size=-2Christian Science Monitor/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/reutersEdge/idUSN1552104420080915cid=1250039486ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNGWh5k3YxMXjNJlyU-Q4_A_McfgGAbMortgage refinancing/b wave seen silver lining to market woe/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobrSep 15, 2008/nobr/fontbrfont size=-1Yields on bmortgage/b-backed securities that also dictate rates lenders can offer also fell, albeit to a lesser degree. The 30-year fixed rate on Monday b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.usatoday.com/money/economy/housing/2008-09-17-mortgage-applications_N.htmcid=1250039486ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNGss08SkDRQ_v_1r1HdbSNu28Gq7wApplications to brefinance/b mortgages surge as rates drop below 6%/a font size=-1 color=#6f6f6fnobrUSA Today/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/09/18/AR2008091804060.htmlcid=1250039486ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNGXHEgjHS7SE2HX6EPPbov-8cVviQFickle bMortgage/b Market Demands Quick Decisions/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/09/18/lenders_woes_could_aid_borrowerscid=1250039486ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNEf8b5A82Yi6ZMiKtioM8w7TC4daQLenders#39; woes could aid borrowers/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.newsday.com/services/newspaper/printedition/thursday/business/ny-bzmort185847660sep18,0,1754197.storycid=1250039486ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNEaWEQwpomlwdkLq74ajKusewJKqwnobrNewsday/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122170456229351017.html%3Fmod%3Dgooglenews_wsjcid=1250039486ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNGiXoXF9zFM4xKLOK7ce0SATzrnlQnobrWall Street Journal/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1250039486hl=ennobrall 221 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sbwire.com/news/view/22363cid=0ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNEffwUAWfswnCQjNu1wHMq83JKhvwThe Truth About bMortgage Refinancing/b Revealed By Oregon bMortgage/b b.../b/abrfont size=-1font color=#6f6f6fSBWire (press release),nbsp;WInbsp;-/font nobrOct 8, 2008/nobr/fontbrfont size=-1The site is designed to give Oregon residents all the facts about bmortgage refinancing/b so they can make an educated decision when obtaining a bmortgage/b. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kimatv.com/news/business/30867439.htmlcid=1256948565ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNEg2gCQCmM0ohLldL7RwwGydVVSiAimg src=http://news.google.com/news?imgefp=KWS1PELFjQ8Jimgurl=media.kimatv.com/images/080609_credit_debt.jpg width=80 height=60 alt= border=1brfont size=-2KIMA CBS 29/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://ap.google.com/article/ALeqM5ixd-MpE9eW2GcjDKm2I5_MuSbgWQD93P4UI81cid=1256948565ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNEkphK5-Axd2grfvegmH7Pvp1HvcgIs the era of easy credit over for the long haul?/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobr21 hours ago/nobr/fontbrfont size=-1Once the business took root, she planned to brefinance/b into a fixed-rate loan and cut her cost. But as the economy declined, she had trouble filling rooms. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.delawareonline.com/article/20081012/BUSINESS/810120371cid=1256948565ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNGaVkTwlD6Q4PNw6wqDkhmbaL44EQBudgets stretched more every month/a font size=-1 color=#6f6f6fnobrThe News Journal/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256948565hl=ennobrall 180 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.politickerma.com/jeremyjacobs/1237/frank-fingers-republicans-economic-crisiscid=1257022189ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNGpygwgeAZr3xsv3TZP8oJuB2DGagimg src=http://news.google.com/news?imgefp=6cJdgPy6ZJoJimgurl=www.politickerma.com/files/politickerme/images/Frank%2520headshot.jpg width=52 height=80 alt= border=1brfont size=-2Politicker MA/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.abcnews.com/politicalradar/2008/10/reps-blunt-and.htmlcid=1257022189ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNE-22RnszBqa8frO32jrkwTzSX-KAReps Blunt And Frank Criticize McCain bMortgage/b Plan/abrfont size=-1font color=#6f6f6fABC Newsnbsp;-/font nobrOct 12, 2008/nobr/fontbrfont size=-1John McCain#39;s proposal to brefinance/b distressed mortgages. quot;Not at face value, we#39;re not going to buy up the mortgages at face value, because the people who b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.cqpolitics.com/wmspage.cfm%3Fparm1%3D5%26docID%3Dnews-000002974193cid=1257022189ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNFwl-_JiOH6icde_RQt1mrft9G3VwCQ Transcript: James Baker, Lawrence Summer, Rep. Barney Frank b.../b/a font size=-1 color=#6f6f6fnobrCQPolitics.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1257022189hl=ennobrall 9 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122351316270117559.html%3Fmod%3Dgooglenews_wsjcid=1255319735ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNF8GBUNejQ5LvoF6yTZ4cBkrDUTLwimg src=http://news.google.com/news?imgefp=50jUWnAPCS4Jimgurl=s.wsj.net/public/resources/images/NA-AT054_McHous_D_20081008190940.jpg width=80 height=53 alt= border=1brfont size=-2Wall Street Journal/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sfgate.com/cgi-bin/article.cgi%3Ff%3D/c/a/2008/10/09/BU9B13DNI7.DTLcid=1255319735ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNFLYcwZ24afJ76YW527paxz_mAUbAMcCain campaign outlines bmortgage/b-rescue plan/abrfont size=-1font color=#6f6f6fSan Francisco Chronicle,nbsp; USAnbsp;-/font nobrOct 9, 2008/nobr/fontbrfont size=-1Barack Obama, McCain#39;s Democratic rival, has proposed helping troubled homeowners brefinance/b their mortgages, but his campaign attacked McCain#39;s proposal for b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DBAdIBCGcEo8cid=1255319735ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNEV-_YKLYT_uhNtIcFn817BEbon8wVideo: Obama: #39;Taxpayers Shouldn#39;t Pick Up Tab#39;/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/BAdIBCGcEo8/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/BAdIBCGcEo8type=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/09/us/politics/09mortgage.html%3Fref%3Dbusinesscid=1255319735ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNFVKAKy5uZrvvjV46y9yGb0AYNPMgTaxpayers, Not Lenders, Would Bear Costs of McCain’s bMortgage/b Proposal/a font size=-1 color=#6f6f6fnobrNew York Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.wsj.com/deals/2008/10/08/mccains-300-billion-mortgage-plan-better-than-the-700-billion-rescue/%3Fmod%3Dgooglenews_wsjcid=1255319735ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNGlUUNAMtb3HGJXZ13vFY1gL-FK-gMcCain’s $300 Billion bMortgage/b Plan: Better Than the $700 Billion b.../b/a font size=-1 color=#6f6f6fnobrWall Street Journal Blogs/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www2.journalnow.com/content/2008/oct/11/principal-is-key-to-housing-solution/cid=1255319735ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNG08CebjXVHHeyOS6EhXsyGMDRhnQnobrWinston-Salem Journal/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.newsday.com/news/nationworld/nation/ny-usmort095875394oct09,0,1162571.storycid=1255319735ei=LHvzSMbJA6GO6APosKF-usg=AFQjCNHlXVmf7ILZxhIZubpa4SMDjgScNgnobrNewsday/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255319735hl=ennobrall 873 news articles/nobr/a/font/div/font/td/tr/table
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'Flexible mortgage' is a term that's used a lot, but... Read More

Refinancing Online - Tips For Getting a Low Interest Rate When Applying Online

Refinancing online is a great opportunity to find low interest... Read More

Council Right to Buy Mortgage ? Helping Everyone Have a Home of

"We will help every Council Tenant to become Home Owners"... Read More

Home Mortgage Refinancing - Things to Consider When Looking to Get Cash Out on a Refinance

When you refinance your home mortgage, lenders often tempt you... Read More

A Home Equity Loan - What You Should Know?

Asking yourself, "Is a home equity loan right for me?"... Read More

What is a Current Account Mortgage?

Current account mortgages are fairly new to the sector. They... Read More

Commercially Viable Commercial Mortgages

Commercial mortgages are similar to residential mortgages. Usually taken by... Read More

Mortgage Lead and Mortgage Leads

A mortgage lead is an exciting thing because you are... Read More