Pavan Agarwal

We were on a flight together, and I was telling him, hey, we've got this great new product coming out. It's credit repair and so forth, and I told him how it worked. And this guy's made hundreds of millions of dollars. I mean, he's a very wealthy man. He pays everything in cash. Because he doesn't like to deal with creditors.

We were on a flight together, and I was telling him, hey, we've got this great new product coming out. It's credit repair and so forth, and I told him how it worked. And this guy's made hundreds of millions of dollars. I mean, he's a very wealthy man. He pays everything in cash. Because he doesn't like to deal with creditors.

And the reason is because they messed around with them in the past and then they messed up his credit. So when he heard about this, he on his own went into Angel AI and told Angel what the problem was. And she repaired his credit. His credit score went up to like, you know, whatever, 700 now. And he told me, and I met him a few months later, and he said, it worked. I said, what worked?

And the reason is because they messed around with them in the past and then they messed up his credit. So when he heard about this, he on his own went into Angel AI and told Angel what the problem was. And she repaired his credit. His credit score went up to like, you know, whatever, 700 now. And he told me, and I met him a few months later, and he said, it worked. I said, what worked?

I said, what are you talking about? He's like, yeah, and he's like, I went into Angel AI, and it fixed my credit, and it was so easy. Wow. Right? So, I mean, that's a true story. I mean, he's a true customer. I didn't pay him to do that. It's just like, it does it. So, people going in, you know, getting the credit repaired, they ask for a mortgage approval.

I said, what are you talking about? He's like, yeah, and he's like, I went into Angel AI, and it fixed my credit, and it was so easy. Wow. Right? So, I mean, that's a true story. I mean, he's a true customer. I didn't pay him to do that. It's just like, it does it. So, people going in, you know, getting the credit repaired, they ask for a mortgage approval.

It gives you a mortgage approval on the spot. And whatever it tells you, it's so accurate. Whatever it tells you, I put my money behind it. So if it says, Dan, you're approved to buy this ranch for $10 million. I don't know how much you paid for it, probably more than $10 million. But if it says, Dan, I'll give you a loan for $10 million to buy this ranch.

It gives you a mortgage approval on the spot. And whatever it tells you, it's so accurate. Whatever it tells you, I put my money behind it. So if it says, Dan, you're approved to buy this ranch for $10 million. I don't know how much you paid for it, probably more than $10 million. But if it says, Dan, I'll give you a loan for $10 million to buy this ranch.

And if it did the calculations wrong or if it messed up and it wasn't supposed to say it, you've all heard about AI hallucinations, right? When AIs go off the rail and say silly things. This AI doesn't hallucinate. So if she did, if Angel AI hallucinated and said, Dan, here's $100 million. Here's $100 million loan. And if she did, guess what? I would write you a check.

And if it did the calculations wrong or if it messed up and it wasn't supposed to say it, you've all heard about AI hallucinations, right? When AIs go off the rail and say silly things. This AI doesn't hallucinate. So if she did, if Angel AI hallucinated and said, Dan, here's $100 million. Here's $100 million loan. And if she did, guess what? I would write you a check.

i would i would anyways give you that loan for 100 million dollars all right so there's a warranty that comes with it so we're the only financial services company that can issue a warranty like that because every other bank or financial services company you use mortgage company whatever You don't know whether the money will be there until the money is there.

i would i would anyways give you that loan for 100 million dollars all right so there's a warranty that comes with it so we're the only financial services company that can issue a warranty like that because every other bank or financial services company you use mortgage company whatever You don't know whether the money will be there until the money is there.

That's why any financial transaction is so stressful. Because if you go to buy a house, you put $10,000, $20,000 deposit, escrow deposit, and you don't know. If the loan doesn't come through, it's gone. Or you write a purchase contract with the contingency. And now, if you're the seller of the property, one guy says, I'm going to pay all cash, no contingency. And another guy says...

That's why any financial transaction is so stressful. Because if you go to buy a house, you put $10,000, $20,000 deposit, escrow deposit, and you don't know. If the loan doesn't come through, it's gone. Or you write a purchase contract with the contingency. And now, if you're the seller of the property, one guy says, I'm going to pay all cash, no contingency. And another guy says...

I'm going to pay you more. Maybe I'm 10 percent. I'm going to pay 10 percent more than the guy with all cash. But I have a contingency for the loan. The seller is more likely going to go with the all cash offer because he knows it's going to close. Right. And so what happens in the market is like lower income people, people who need government financing like FHA and VA loans, especially veterans.

I'm going to pay you more. Maybe I'm 10 percent. I'm going to pay 10 percent more than the guy with all cash. But I have a contingency for the loan. The seller is more likely going to go with the all cash offer because he knows it's going to close. Right. And so what happens in the market is like lower income people, people who need government financing like FHA and VA loans, especially veterans.

Right. They get discriminated against because.

Right. They get discriminated against because.

the cash buyer wins right and so low-income people get get shut out of the housing market okay however if if you went into angel if you went to angel ai and asked for an approval she gives you an approval that approval comes with a warranty so now you can make that offer right you could you could have a 580 credit score fha um borrower right working two jobs you know just just enough to to make the mortgage payment right

the cash buyer wins right and so low-income people get get shut out of the housing market okay however if if you went into angel if you went to angel ai and asked for an approval she gives you an approval that approval comes with a warranty so now you can make that offer right you could you could have a 580 credit score fha um borrower right working two jobs you know just just enough to to make the mortgage payment right