 And, of course, they can also help you with a great refinance deal, especially if you're under a mountain of credit card debt and you have equity built up in your home. That equity is yours. You can get that debt off your back. And, yeah, 7%, 8% on mortgage rates is higher than it has been the last few years, but it's a lot less than 24%, 29% APR on that credit card. Or maybe you don't have a big issue. You just want to rearrange your finances.