Interesting effort but did you know that taking mortage is a scam? I've been on this trail for a few years. The thing is that the bank doesn't have the money, this is fractional reserve banking. When they loan you the currency (there is no money) the create it out of thin air with nothing backing it up. The issue with this is that you backup the loan with the house which has real value! There is a legal precedent on this issue with I think one of the Morgans admitting it. This is fascinating stuff.