It gives them some flexibility. If they have a good commission month, they can pay some of the principal. But they do not have to pay any principal, which helps them during the slower months.

Crazy for You

The awareness is out there, but it is a smaller portion of our business. It is a good option. But I do not see it taking off and becoming a larger portion of our business.

They are good for people with incomes that fluctuate, like those who work on commission,

You do not want to reach the end of your loan term with the house worth the same as when you purchased it. In that situation, you have not gained any equity and you still...