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[Music] solomon is with us in arizona hi solomon how are you good thanks dave for taking my call sure whats up um so i was calling im in uh baby step two i have about 32 well me and my wife have about 32 000 and baby step two um household income we have about 80 to 82 000 um but my question is about our house situation so my wife um bought her house that we live in um about seven years ago she was in dire need and she got into a rent to home situation and we pay 6.75 a month 180 goes towards the principal of the house the 495 is considered rent so what im wondering is they said we could pay it off you know if we get a mortgage or whatever we can pay it off and go through like a single bank or do we just write it out as it is okay what is what is the payoff on the contract now um last i checked which was a couple years ago it was 53 000. whats the house worth probably as it fits probably close to a hundred okay whats your household homework done um 80 to 82. okay yeah id run down