Mortgages are financial crack to middle America. The poor cannot afford them and the rich don't use them. Mortgage is old French for death pledge. That's what it translates to. It makes no sense that everyone wouldn't be doing this. It's like this has always been under your nose and you've always had this ability to do it. You just didn't know. Nobody was telling you that it existed. Over five to 10 years, you can own the home free and

clear. I don't know if the banking system is going to like you very well. I'm about to go buy a

house. So instead of buying the house with a traditional mortgage, what should I do instead?

What it is, Brad Lee, back again with another episode of dropping bombs today in the studio, folks. I got a real treat for you. As always, dude named Michael Lush. What's up? Hey, what's up, Brad? Thanks for having me, by the way. Well, thanks for coming. Folks, you guys get better pay attention, especially if you currently own a home or you're about to own a home or you want to own a home because this guy and i don't know

if it's unknown but you've definitely got a very intelligent creative way to do it a little bit

differently where people pay off their houses in six to seven years and eliminate a whole bunch of

interest yeah without changing their lifestyle,

by the way. Yeah. It makes no sense that everyone wouldn't be doing this. Yeah. And I don't,

and I don't know if the banking system is going to like you very well. The mortgage lender is

definitely not. The banks may be more so. Yeah, they would. Why would they like you better?

Because like, for instance, one of the more competitive products and one that most of our clients like to eventually get to, you know, what we're telling people is to not get an installment loan. That's what a mortgage is. A mortgage is an installment loan. And at some point, we'll get back into the history of mortgages because really what we're doing, it's not like I'm some kind of pioneer. This is, I didn't invent this. This is something that's been around for centuries. Mortgages used to be lines of credit prior to 1913. So really, we're just going back to basics. We're trying to tell Americans like, this has always been under your nose and you've always had this ability to do it. You just didn't know. Nobody was telling you that it existed. But banks utilize specifically home equity lines of credit, kind of like a trip wire in marketing. It's like, okay, if I get a home equity line of credit client, I'm also getting a checking account and a savings account. That's what they love. They want depositors. You know, because every transaction, you got a bank owner, a banker, a borrower, and a depositor. Well, which out of the 40 do you think is the most valuable? And it's a trick question. It's because they're all valuable. Without a bank owner, you don't have a bank to begin with. Without the banker, you don't have somebody right in terms and conditions.

Without a depositor, you don't have the fractional reserve lending that they execute on today. So you don't have money to lend out. And without a borrower, you don't have arbitrage. You don't have interest that you can make off of other people's money because that's what banks are doing. They're making money off of your money. So they love helix because a

heloc creates a depositor. And, you know, I've been in relationships over the last 12 years with

multiple banks, sit on the board of a joint venture of a bank now, and it's always the topic of

conversation. That's the first thing when we have a meeting is how do we grow

core deposits? Because think of this magical trick that they have digitally, where if you give them

a dollar, they snap their fingers. It's $10 because of fractional reserve lending. Well,

if you had the ability to do that, you and I as private citizens, we had the ability to do that.

Our next question is, is stop giving me George Washington's. Give me some Benjamins. Because if I can snap my finger 10 to 1 ratio and I got a thousand bucks, I could turn in 10,000, I got 10 to turn in 100, 100 turns into a million. And I could lend that out to somebody else at a higher rate, then I'm paying you to give it to me.

Well, yeah, I want billions of dollars.

So that's why banks technically lend that out to somebody else at a higher rate, then I'm paying you to give it to me. Well,

yeah, I want billions of dollars. So that's why banks technically love it because it creates

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