Matthew Cox

I forget what they called them.

The tranches of bonds for the mortgages were going and saying, oh, this is AAA.

And they're like...

And they weren't AAA, but you know.

One conversation, just one brief conversation, you know?

Yeah.

It's funny because what we talked about before we started was, to me, it was whiting out that 30-day late and then being concerned the whole time up, you know, sending in the file.

Three, four days later, they get the file, they review it, and then they came back.

When they come back and they said, you're clear to close, it was like, oh, my God, I got away with it.

Like they didn't catch it.

And then when it closed and everybody signed and they funded the loan, I always remember because initially I was – it was that I'm just going to do this one thing.

My rationalization was this is a single mother.

She needs the mortgage.

She –

Her son, I'm doing her a favor.

Nobody's getting hurt.

She's going to pay.

The whole thing.

And then when it worked, I became emboldened by it.

And so, like I said, when the next guy came in and needed his W-2 changed or something and he could get the loan, I was all in.