A.D Kessler: Why you should tell with a second mortgage is?

Dwan Bent-Twyford: Okay, a lot of people when they buy there property they take a—they have a first mortgage. So, again maybe they have a $200,000.00 house and they’ve been making payments for a long time now they owe a 125,000.00. So, they decide they’re going to do addition about a pool something and they go barrow money from the bank and see got a second mortgage. So, maybe the second mortgage is $25,000.00 so the first is 125 the second is 25 now they owe a $150,000.00 against there property. So they make him payment one to this bank and payment number to this bank. And often times in a for closure situation, what happens is a property at the final stage goes to the shares of sell or the trustee sell upon with state 11 and the houses sold to the highest bidder or the bank and stuff with the house back.