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Washtenaw County, Michigan

Mortgage Broker in Saline, MI

Saline city and the townships that share ZIP 48176, with the tax bill and school district for each address.

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What should you know before buying a home in Saline?

Saline sits about 9.0 miles from downtown Ann Arbor, an 18 minute drive from City Hall without traffic, and Saline Area Schools covers the whole city. The Census Bureau's 2020 to 2024 estimates count 2,762 owner-occupied homes in the city, with a median owner-reported value of $341,300 (give or take $21,391) and a typical year built of 1980.

The mailing address is the part to double check. Only 4.4 of ZIP 48176's 70.8 square miles are inside the city, so ask which municipality sends the tax bill before you compare two houses.

By the numbers

What do the numbers say about Saline housing?

Values move. Treat these as orientation and let us pull current figures for the address you are considering.

$427,000

Typical home value, from the market research on this page

+29%

Typical rise in taxable value the year after a home sells, 2026 Uncapping Study

1.36%

Property tax current owners pay, as a share of value. A buyer's bill can reset higher the year after a sale

1

Residential ZIP code: 48176

What does financing look like in Saline?

A mortgage broker in Saline, MI starts with the parcel, not the ZIP. The Census American Community Survey (2020 to 2024) counts 2,762 owner-occupied homes in the city, with a median owner-reported value of $341,300 (margin of error $21,391) and a typical year built of 1980. Across the neighborhood block groups on this page, median owner value runs from $202,500 to $426,800 inside the city and from $255,800 to $550,300 in the township areas that share ZIP 48176. This page's typical value comes from Zillow's index of current values, so it reads higher than the survey's five year average. Principal residence millage runs from 33.0479 to 39.2007 in the six townships that Saline Area Schools reaches and 49.5525 inside the city, so two homes at the same price can carry different payments. Your loan officer builds the estimate from the buyer's taxable value and the parcel's taxing unit, using the property tax calculator and the budget review.

Conventional and FHA loans cover most purchases here, with conventional, FHA and VA the usual starting points. The 2026 conforming limit is $832,750 and the FHA limit is $541,287, with county figures on the loan limits page, and a price above the conforming limit means jumbo financing. MSHDA lists up to $10,000 in down payment assistance and a purchase price limit of $566,355, with details on the down payment assistance page. Several local points shape a Saline loan. A home with its own well and septic system needs a Washtenaw County Time of Sale evaluation before ownership transfers, which the septic guide walks through. A condominium or site condominium brings the association's documents and a lender project review (condominium financing). Manufactured homes, which the Census counts at 69 in the city and 229 in Saline Township's western block group, follow different loan rules (manufactured home loans). Addresses outside the city can be checked against USDA's map with the USDA eligibility check, and any address can be looked up on FEMA's Flood Map Service Center, because a high-risk flood zone means the lender requires flood insurance.

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A 48176 address can be taxed at 49.5525 mills inside Saline city or 34.7171 in Lodi Township with the same school district, because the bill follows the municipality, not the mailing address (Michigan Treasury, 2025, principal residence rates).

The market

What is the Saline housing market like?

The typical Saline home value sits around $427,250 as of mid-2026, up about 2.6% year-over-year, while active listings often ask higher, median asking prices land in the $470,000 to $576,000 band and single-family homes routinely list toward $750,000. Inventory does not linger: well-priced homes go to pending in roughly nine days, even though the overall median time on market runs near 53 days. Demand leans on the 15-minute hop to Ann Arbor's research and hospital jobs. For buyers, that means pre-approval and a clean offer matter more here than in slower Washtenaw County markets.

One ZIP, several tax bills

Which municipality taxes a 48176 address?

ZIP 48176 covers about 70.8 square miles by Census boundaries, and Saline city is about 4.4 of them. A ZIP is a mail route, not a taxing unit, so the bill comes from the municipality the parcel sits in. A sliver of the ZIP also reaches Freedom and Macon townships, about 1% together. Check a parcel with the property tax calculator or the city assessor, and the rates come from Michigan Treasury's 2025 table. The township halls are online at Saline Township, Lodi Township and Pittsfield Charter Township.

Saline Township

About 44% of the ZIP's area, the largest share. About 89% of the township is inside Saline Area Schools. The 2025 rate for a principal residence in that district is 34.6799 mills, and taxes come from the township, not the city.

Lodi Township

About 19% of the ZIP's area, to the north of the city. About 79% of the township is inside Saline Area Schools, at 34.7171 mills for a principal residence in 2025. Ann Arbor Public Schools and Dexter Community Schools cover other parts.

York Charter Township

About 15% of the ZIP's area, to the southeast. About 40% of the township is inside Saline Area Schools, at 34.0199 mills for a principal residence in 2025. Milan Area Schools and Lincoln Consolidated Schools cover other parts.

Pittsfield Charter Township

About 7% of the ZIP's area, to the east along Michigan Avenue. About 36% of the township is inside Saline Area Schools, at 39.2007 mills for a principal residence in 2025.

Bridgewater Township

About 7% of the ZIP's area, to the southwest. About 18% of the township is inside Saline Area Schools, at 33.0983 mills for a principal residence in 2025.

Saline city

About 6% of the ZIP's area, 4.4 square miles. Every address is inside Saline Area Schools, at 49.5525 mills for a principal residence in 2025 and 67.5525 for other property.

Where to look

Which neighborhoods make up Saline?

Downtown Saline, City Hall and the east side

This Census block group (block group 1 of tract 4234) holds City Hall, the Depot Museum and the Saline Rec Center. The American Community Survey counts about 600 homes here, roughly 125 of them detached houses, with apartments, attached buildings and 64 manufactured homes making up much of the rest. Median owner value is $202,500 with a wide margin of $44,035, and the typical year built is 1977, so read it as a small sample.

Rolling Meadows and the Maple Road library area

The city places Brecon Park in the southwestern part of the Rolling Meadows neighborhood, and a pathway built in 2013 links it to the Saline District Library on North Maple Road. The surrounding block group (block group 4 of tract 4234) has about 320 homes, 185 of them detached. Median owner value is $301,000 with a margin of $54,601, and the typical year built is 1967.

Saline Heights and the Curtiss Park side

Block group 2 of tract 4234 covers the southwest side of the city, including Curtiss Park off Michigan Avenue and the area OpenStreetMap labels Saline Heights. It is a mixed block group: about 1,454 homes, 944 of them detached, 321 in buildings of 50 or more units and 102 in buildings of 20 to 49. Median owner value is $322,700 but the margin is $112,401, so use it loosely. Typical year built is 1992.

Woodland Drive West

Block group 3 of tract 4234 runs along Woodland Drive West on the northwest side of the city and includes the historic Weber-Blaess building that the city lists among its museums. Nearly every home counted is a detached house, 346 of about 356. Median owner value is $356,600 with a narrow margin of $16,798, and the typical year built is 1994.

Wildwood and the north side

Block group 5 of tract 4234 holds the Wildwood area and the pond OpenStreetMap labels Wildwood Pond, north of downtown. Newer construction shows in the numbers: a typical year built of 2003 and a median owner value of $426,800 with a margin of $25,023. Of about 360 homes, 312 are detached and 48 are attached single-unit homes.

Marlpool, Wilderness Park and the south side

Block group 1 of tract 4236, south of Michigan Avenue, includes the Marlpool subdivision, Marlpool Park and Wilderness Park on Willis Road. Homes are mostly detached, about 450 of 493, with a typical year built of 1972 and a median owner value of $333,600 (margin $20,734). Wilderness Park, bought by the city in 1973, is a 22 acre trail park inside this block group.

South downtown and the farmers market lot

Block group 2 of tract 4236 covers the south side of downtown, including Parking Lot 4 on South Ann Arbor Street where the city's farmers market sets up. It mixes about 331 detached houses with 204 homes in buildings of 5 to 9 units, out of about 632. Typical year built is 1969, and the median owner value is $385,100 with a very wide margin of $210,316, so no single value describes it.

Ann Arbor-Saline Road north of the city, Lodi Township

Brookside Golf Course at 6451 Ann Arbor-Saline Road has a Saline address but sits in Lodi Township, and a Census ZIP area check confirms 48176 and Saline Area Schools. Its block group (block group 3 of tract 4250) has about 491 homes, 487 of them detached, a median owner value of $514,300 (margin $65,127) and a typical year built of 1986. Taxes come from Lodi Township, 34.7171 mills for a principal residence in 2025.

Andelina Farms and western Saline Township

Andelina Farms, west of the city off Michigan Avenue, is in Saline Township even though its ZIP is 48176 and it is inside Saline Area Schools. Its block group (block group 1 of tract 4260.01) is large and rural, with about 913 homes: 541 detached and 229 manufactured homes. Typical year built is 2001 and median owner value is $310,400 (margin $37,638). Saline Township's 2025 rate for a principal residence is 34.6799 mills.

East Michigan Avenue in Pittsfield Township

East of the city, the 7000 block of Michigan Avenue has a Saline address and sits in Pittsfield Charter Township. Its block group (block group 2 of tract 4154) is mixed: about 596 homes, 96 detached, 215 attached single-unit, 157 in buildings of 10 to 19 units, 52 in buildings of 5 to 9 and 76 manufactured homes. Typical year built is 2004 and median owner value is $255,800 (margin $28,443). Pittsfield's 2025 rate is 39.2007 mills for a principal residence.

York Township southeast of the city

Southeast of Saline, block group 1 of tract 4222.01 is in York Charter Township, with ZIP 48176 and Saline Area Schools. All 592 homes counted are detached houses, with a typical year built of 1992 and a median owner value of $550,300 (margin $54,758). York's 2025 rate for a principal residence in Saline Area Schools is 34.0199 mills.

Schools and commute

Schools

Every address inside Saline city is in Saline Area Schools. The Census school district layer places City Hall, the library and every point checked inside the city in that district, and Michigan Treasury's 2025 table lists one district for the city, Saline Area Schools (code 81120). The district is far larger than the city. By Census boundaries it covers about 95 square miles across seven municipalities: Saline Township makes up about 32% of its area, Lodi Township about 28%, York Charter Township about 15%, Pittsfield Charter Township about 10%, Bridgewater Township about 7%, Saline city about 5% and Freedom Township about 3%. Going the other way, about 89% of Saline Township, 79% of Lodi Township, 40% of York Township, 36% of Pittsfield Township, 18% of Bridgewater Township and 8% of Freedom Township lies inside it. The rest of those townships belongs to neighboring districts, so the district's boundary map and Street Guide matter for any address outside the city. Treasury publishes a separate millage for each combination. For a principal residence in 2025 it lists, in Saline Township, 34.6799 mills for Saline Area Schools, 36.4574 for Milan Area Schools and 32.7735 for Clinton Community Schools. In York Township it lists 34.0199 for Saline Area Schools, 35.7974 for Milan Area Schools and 33.9886 for Lincoln Consolidated Schools. In Lodi Township it lists 34.7171 for Saline Area Schools, 35.6100 for Ann Arbor Public Schools and 34.8229 for Dexter Community Schools. In Pittsfield Township it lists 39.2007 for Saline Area Schools, 40.0936 for Ann Arbor Public Schools and 40.9782 for Milan Area Schools. Inside the city the figure is 49.5525, and Treasury's non-homestead total is exactly 18 mills higher because the district's operating levy applies only to non-homestead property. Start at the Saline Area Schools website for enrollment steps, and run the address through the property tax calculator for the published millage.

Commute

Saline sits about 9.0 miles from downtown Ann Arbor, an 18 minute drive from City Hall by OpenStreetMap routing with no traffic, so rush hour adds time. University Hospital on the Michigan Medicine campus is about 10.3 miles and 21 minutes away, North Campus 13.9 miles and 22 minutes, and Ypsilanti 11.7 miles and 18 minutes. The I-94 corridor at Ann Arbor-Saline Road is about 3.7 miles and 7 minutes north. Detroit Metro Airport is 27.5 miles and 35 minutes, downtown Detroit 45.4 miles and 56 minutes, Toledo 49.1 miles and 60 minutes, Chelsea 22.6 miles and 33 minutes, Milan 8.0 miles and 15 minutes and Tecumseh 15.6 miles and 29 minutes. Ann Arbor SPARK's regional employer list names employers with Saline locations: Toyota Motor North America Research and Development across its Ann Arbor and Saline sites (1,200 to 1,299 employees), Forvia (700 to 799), JAC Products (500 to 599), Liebherr-Aerospace (300 to 399), MMI Engineered Solutions (200 to 299) and Production Services Management (200 to 299). The same list shows Trinity Health Michigan across Ypsilanti, Saline and Chelsea (5,500 to 5,599). The Saline Area Chamber of Commerce serves the city and the townships of Bridgewater, Lodi, Pittsfield, Saline and York. Michigan Avenue and Ann Arbor-Saline Road are the two routes the drive times above use out of town.

Day to day

Living in Saline

Parks, errands, events, seasonal city tasks and the kinds of homes you will see, from the city parks page, the Saline Area Historical Society, the city farmers market page, the Saline Area Chamber of Commerce, the Saline Community Fair, the snow removal rules, the refuse schedule, Washtenaw County's cleanup days and the other sources named in each card. The Saline District Library, the Saline Post's fair coverage, the Michigan Celtic Festival and OpenStreetMap supply the rest.

What is there to do around Saline?

The city's parks department maintains 12 parks and open spaces totaling more than 190 acres. Mill Pond Park at 565 W. Bennett St covers 54 acres, the largest of the community parks, with a one-acre fenced dog area that opens onto the pond. Curtiss Park at 440 W. Michigan Ave covers 50 acres on the south side of Michigan Avenue and has a 150 space lot. Tefft Park, 40 acres on Woodland Drive East, hosts the Saline Rec Center. Wilderness Park at 300 Willis Road is a 22 acre trail park the city bought in 1973. The Saline Area Historical Society runs the Saline History and Depot Museum on Saturdays from 10 AM to 2 PM year round and the Rentschler Farm Museum on the third Saturday of the month from May to September, noon to 3 PM.

Where do people run errands?

OpenStreetMap maps Busch's supermarket at 565 E. Michigan Ave, CVS Pharmacy at 413 E. Michigan Ave and Junga's Ace Hardware at 1220 E. Michigan Ave, all on East Michigan Avenue. Jensen's Community Pharmacy is on Hopper Street. Farther east, a Walmart Supercenter at 7000 E. Michigan Ave sits across the Pittsfield Township line with a Saline address. The Saline Post Office is at 108 N. Maple Rd, and the Saline District Library is at 555 N. Maple Rd.

What happens here through the year?

The city runs the Saline Farmers Market, outdoors on Saturdays from 8 a.m. to noon in Parking Lot 4 at 100 S. Ann Arbor St, and indoors on Saturdays from 9 a.m. to 1 p.m. in the winter months, per the city's market page. The Saline Area Chamber of Commerce lists the 51st Annual Holiday Parade for December 5, 2026, from 5:00 to 8:00 PM. The 90th Saline Community Fair ran September 2 to 6, 2026 at the Washtenaw Farm Council Grounds, 5055 Ann Arbor-Saline Road, and the fair's site lists September 1 to 5, 2027 for the next one. The Michigan Celtic Festival's site lists July 9 and 10, 2027 for its 30th festival.

What does each season mean for a homeowner?

Summer tax bills are mailed July 1 and are due by 5 p.m. on the first business day in September. Winter bills are mailed December 1 and are due February 14. Sidewalk snow and ice must be cleared to a 42 inch path within 24 hours after it stops, with civil infraction fines of $25, $50 and $100 for a first, second and third offense in a year, and the city can clear it for a minimum of $75 a visit. Trash and yard waste go out weekly, Thursday west of Ann Arbor Street and Friday east of it, at the curb by 7 AM. Water is billed quarterly, and the My Water Advisor 2.0 app sends leak alerts. Washtenaw County hosts free cleanup days through the summer.

Which kind of home are you after?

The Census counts 4,215 homes in the city: 2,693 detached houses, 283 attached single-unit homes, 293 in two to four unit buildings, 373 in buildings of 5 to 19 units, 504 in buildings of 20 or more units and 69 manufactured homes. Detached houses dominate the block groups along Woodland Drive West, around Wildwood and south of Michigan Avenue. Buildings of 50 or more units are counted mostly in the southwest block group near Curtiss Park, where association documents and the lender's condominium review enter the loan. Newer construction, typically built around 2003, is in the Wildwood block group, while the south side typically dates to 1969 and 1972. Outside the city limits, the county's Time of Sale program evaluates a home's own well and septic system before it changes hands, and Saline Township's western block group counts 229 manufactured homes, which follow manufactured home loan rules.

Michigan property taxes

What will my property taxes be after I buy in Saline?

The year after a Michigan home sells, its taxable value resets to half of the assessor's market value, so the seller's tax bill is not your tax bill.

In the City of Saline, our 2026 Uncapping Study found taxable value typically rises about 29% the year after a sale. On a $425,000 home, near the typical Saline value, the first-year tax goes up roughly $2,390 at the Saline schools rate. We build your payment on that post-sale number.

Looking at a Saline address? Our Michigan property tax calculator finds that property's published 2025 millage and works out the tax to plan for after you buy.

How Michigan taxable value works

In Samantha's words

County alone does not tell you much. We would never say you are in a particular county so here are your taxes. It does not work like that. We need the actual property.

Summer 2026 lines

What is on the Saline city summer tax bill?

The city treasurer's page lists every summer line in mills, where one mill is $1 per $1,000 of taxable value.

City of Saline

Operating 13.4514 mills, solid waste 1.8500 and street improvements 1.0000 for summer 2026.

Saline Area Schools lines

Debt 7.5000, recreation and CARES 0.4850 and sinking fund 0.3394. The 18.0000 operating mills apply only to non-homestead property.

County and college

Washtenaw County 4.3160 and Washtenaw Community College 3.3280 for summer 2026.

Intermediate district

The Washtenaw Intermediate School District is listed at 6.3744 mills for 2026 and 5.4713 for 2025.

State and fire lines

The state education tax is 6.0000 mills, and a fire special assessment adds 1.0000 mill.

Administration fee

The city applies an administration fee to each tax bill, and a $50 fee applies to any returned payment.

Principal residence or other use

What changes on a Saline tax bill if you live in the home?

In Michigan, a home's taxable value is capped while one owner holds it. The year after it sells, that cap comes off and taxable value resets to the state equalized value, which is half of the assessor's estimate of market value, not automatically half of what you paid. The numbers below come from Michigan Treasury's 2025 table, the city treasurer's millage page and the city assessor's FAQ. Run any address through the property tax calculator.

The 18 mill difference

Treasury's 2025 total for Saline city is 49.5525 mills for a principal residence and 67.5525 for other property. The 18 mill gap is the Saline Area Schools operating levy, which the city's table says applies only to non-homestead property.

What 18 mills means in dollars

A mill is $1 per $1,000 of taxable value, so 18 mills is $1,800 a year on each $100,000 of taxable value. Taxable value, not the sale price, is the base the millage multiplies.

Claiming the exemption

The city assessor's office updates the principal residence exemption status for each home. The assessor's office can be reached at 734-429-4907, and the title company can say how to file for a home you just bought.

The cap while one owner holds the home

The city assessor's FAQ says taxable value can rise each year only by inflation or 5%, whichever is less, while ownership stays the same.

Summer 2026 totals

The city lists a 2026 summer total of 63.6442 mills for non-homestead property and 45.6442 for a principal residence. The 2025 summer totals were 63.2311 and 45.2311.

The winter bill

The winter bill carries the library at 1.1358 mills and Washtenaw County at 3.1856 mills for 2025, a winter total of 4.3214 mills. Together with the summer lines it makes the 2025 annual totals above.

Local resources

Check Saline records yourself

The official offices behind the tax and school details on this page.

What our clients say

5.0 on Google across 123 reviews

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As a first-time homebuyer in Ferndale, I was unsure of some things. Samantha was awesome. She was extremely helpful and made sure I understood every part of the process.
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Want to shout out Samantha for the expert guidance, made my first-time homebuyer experience seamless! It exceeded expectations and was a stress free process throughout. Grateful for all your help and loving my new home in Bloomfield Hills!
MichaelJuly 2026
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Samantha Shelton is amazing!! She helped me get into my first home in Ferndale. The closing process was easy I was able to take care of everything without taking a day off of work. Being a first time homebuyer was stressful but she provided clear communication and true experience guidance throughout the entire process
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Individual experiences. Results vary.

Saline mortgage questions

If yours is not here, ask it on the call. There are no dumb questions.

Does a Saline mailing address mean I pay Saline city taxes?

No, only addresses inside the city limits pay the city’s millage. ZIP 48176 covers about 70.8 square miles and the city is about 4.4 of them, so most of the ZIP’s area sits in Saline, Lodi, York, Pittsfield or Bridgewater townships, and each taxes its own parcels. Type the street address into the property tax calculator for the exact published 2025 rate, or ask the city assessor at 734-429-4907 whether a parcel is inside the city.

Saline Area Schools serves every address inside the city, and it also covers about 95 square miles of the townships around it. Parts of York, Pittsfield, Lodi, Saline and Bridgewater townships belong to other districts, such as Milan Area Schools, Ann Arbor Public Schools and Clinton Community Schools, so confirm the address with the district’s boundary map and Street Guide before you offer. Michigan Treasury’s 2025 table lists a separate millage for each unit and district pair.

It removes the 18 mill Saline Area Schools operating levy from a home you live in. Treasury’s 2025 total for the city is 49.5525 mills for a principal residence and 67.5525 for other property, which is $1,800 a year on each $100,000 of taxable value. The city assessor’s office updates each home’s exemption status, so ask the assessor and your title company how to file after you close. The taxable value guide explains what a mill is.

Summer taxes are mailed July 1 and are due by 5 p.m. on the first business day in September, and winter taxes are mailed December 1 and are due February 14. After the due date the city adds a penalty and interest, and it applies an administration fee to each bill. If your lender collects taxes with your payment, the escrow guide shows how the account works, and the city treasurer’s page lists the current millage lines.

Homes inside the city use the city’s water and sewer, billed quarterly, from a system with five well pumps and two storage towers. Outside the city a home may have its own well and septic system, and Washtenaw County’s Time of Sale program requires an evaluation before ownership of such a home transfers. The septic guide and the well water guide cover what lenders and appraisers look for.

A rental unit inside the city needs a certificate of compliance from the city’s Rental Housing Certification Program, which includes a property maintenance inspection every two years. Townships set their own rules. Occupancy is part of a mortgage, so tell your loan officer before you apply if the home will be a rental, and compare the numbers first with the rental potential guide and the rent versus buy calculator.

Look the address up on FEMA’s Flood Map Service Center before you write an offer. If the map shows a high-risk zone, the lender requires flood insurance, and that premium belongs in your monthly budget. The flood zone guide lists the steps, and your insurance agent can quote the policy before the appraisal.

It is based on your taxable value, not the seller’s bill. In Michigan, a home’s taxable value is capped while one owner holds it. The year after it sells, that cap comes off and taxable value resets to the state equalized value, which is half of the assessor’s estimate of market value, not automatically half of what you paid. Multiply the new taxable value by the millage for the parcel’s taxing unit, 49.5525 mills inside the city for a principal residence or the township figure outside it, and add the summer and winter lines. The property tax calculator does the multiplication, and the transfer tax calculator covers the closing cost.

Before you offer

What should you settle on a Saline house first?

Six checks that change a Saline loan or payment, with the programs on the FHA, conventional and USDA pages and the mortgage calculator for the payment. The first-time homebuyer page and the Loan Estimate check cover the next steps.

Which taxing unit?

Confirm whether the parcel is inside the city or a township. Principal residence millage runs from 33.0479 to 39.2007 in the six townships that Saline Area Schools reaches and is 49.5525 inside the city, which changes the monthly payment.

City water or a well?

Inside the city, water and sewer are billed quarterly by the city. A home with its own well and septic system goes through a Washtenaw County Time of Sale evaluation at transfer.

Condominium or site condominium?

Ask for the association's documents early, because lenders review the project as well as the unit. The block group nearest Curtiss Park counts 321 homes in buildings of 50 or more units.

Manufactured home?

The Census counts 69 in the city and 229 in Saline Township's western block group. Loan rules for manufactured homes differ from those for a house on a foundation.

Renting it later?

Inside the city, a certificate of compliance and a maintenance inspection every two years come before anyone occupies a rental unit.

Flood zone?

Check the address on FEMA's Flood Map Service Center. If it is in a high-risk zone, the lender requires flood insurance.

Communities near Saline

Washtenaw County overview

Guides for Saline buyers

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Sources

Where do the Saline figures on this page come from?

37 sources behind the Saline figures above, every link checked November 2026.

Align Lending LLC, NMLS #2041154. Samantha Shelton, NMLS 1647301. Equal Housing Opportunity. Licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Figures on this page are market research for orientation, not a quote. This page is for educational purposes only. It is not a credit decision, a preapproval, a commitment to lend, or an offer of credit.

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