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now we get to do a little mailbag you are listening by the way to kb200 radio on the campus of Cal State Long Beach lets do a mailbag question by the way you can get involved in the mailbag in a number of different ways but the easiest way is to go to our website which is keeping it re keeping it ar e dot-com top right hand corner a bunch of little pictures Facebook Twitter email all that way all those things just get us a question well read it on air and hopefully help you out a little bit okay sitar wants to know how do I take over mortgage payments and have the mortgage moved to my name trying to assume the loan I think theyre trying to assume the loan how is that something thats easy to do so its basically its basically youre refinancing it into your name its like but but it to assume the loan I think you can you can keep the terms and conditions I think thats the key right even paid on for five years right but you still have to qualify for it its the whole approval proc