Okay, so how do you guys protect your customers or clients from that happening to them? One of the features that we have is we can lock a rate six months into the future, so if we lock the mortgage interest rate today, we keep that qualification intact while they're shopping for that house. 

 You guys have the answers six months in advance. 

That says what you have; you're fortune tellers. I love this. Moving, buying a home, I mean, it's stressful. The whole process. It's a wonderful process, but there's also so much stress that comes into it. How do you help alleviate some of that stress? One of the things that we do is all the underwriting upfront. So my background before sales was working in underwriting, and so we get all of their documents, we make sure that we go through everything with a fine-tooth comb, and that way, we avoid a lot of the issues in the middle of the process.

So everything is locked in, pretty much, with you guys. So I'm going to buy my house; I'm working with PIF Lending, I know that everything's secure. I don't have to worry about it; we're getting ready to close, and, uh-oh, what's this little blemish here or something's not taken care of. 

And then we, when it comes to something of that sort, it's because that one requirement that we needed up front maybe just didn't make it in on time, and that's really the only issue we've ever run into. So it's never, "Can we do it or can't we?" We can; it's just timing, especially where is a third party involved, like the appraisers and all the facets that are involved with it.

The name, PIF Lending, what does it mean? "Pay it forward." Yeah. So, long story short, there's been a lot of people that have helped me get the company going, just in general, and some of them I'll never be able to repay, and so what we get to do moving forward is pay it back. And you're a Vegas-born, Vegas-raised guy here. Born and raised. Absolutely. 

 Refinancing. Still a good time to refinance your home?

Yeah. I would say yes, especially if you're looking to do some cash-out, take the equity while it's there at the moment and use it for reserves or liquid assets, just in case, of a rainy day or emergency.

 Thank you guys so much. I could chat with you for an hour about this stuff. Thank you so much for joining us; we appreciate it. Thanks for having us on.

 And they have a special offer if you call them and mention Las Vegas

Now, they will make an appraisal waiver for new clients.