 Instead, the mortgage is subject to a one-time upfront mortgage insurance premium. How did you come up with this? I came up with it because I'm a Marine Corps veteran. And the fact that I can buy houses more affordably than these individuals that serve, you know, I talked to Congressman Rutherford three years ago. This bill was actually in the last Congress. It got reintroduced. Senator Rubio, you know, led the fight on the Senate side. Senator Ossoff, we actually have Chairman Brown.