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[Music] so were talking about gifts of equity this month and honestly it couldnt be more timely I cant tell you how many conversations Ive had so recently where people are trying to keep that family home in the family in fact I literally just had this conversation with my own mother yesterday as shes trying to figure out how to give her home to my brother well as people are looking at this as an option I wanted to highlight a couple of idiosyncrasies at different loan programs have with a gift of equity because we talked about the definition of it we talked about the tax advantages of it so when can you or cant you use a gift of equity now remember the gift of equity is that difference between the market value of a home and the price you sell it for so youre doing this for a family member thats key FHA is typically the most lenient when it comes to gifts you can get a gift from not only a family member but a good friend or even an employer you cant with a gift of equity that h