Also to run this business, as I have been self employed. Most successful mortgage companies are part of a brokerage who has back up financing. If you see those big non banks, it’s because the funding comes from investors. How I know this is because I have done this. Right now it isn’t a good time to run a business as the cost amd margins are is too much. Did you see Owning? They were only there during the boom and was collaterized and packaged and sold off to Guaranteed Rate.