Matt Clark

So talk about pre-approval.

It's an important part of it, yeah.

And Churchill has something special called certified homebuyer.

That's impressive.

That's impressive.

So on a spectrum, let me recap this.

You have the, this person might be good for the money.

You have, they're probably good for the money with a standard pre-approval.

And then you have the, they are definitely good for the money with the certified home buyer program.

And that's on top of 12 months of rental payment history.

Because a lot of people say, well, I live with mom and dad.

We never had an agreement about it.

And you guys go, well, we don't know that you can pay a housing bill on time.

12 months of housing payment is part of that process as well.

I mean, I've done it.

I know that's not saying much because everyone goes, well, it was easy for you to say.

No, I got out of debt, didn't have a credit score.

And you guys are the specialists in no score loans.

I imagine you've probably done more no score loans in the modern world than any mortgage lender out there.

More in the modern world than anyone ever.