Take off your blindfold then is all I can say haha.

Actually , I have a loan I want to give you, I can pay for your mortgage but the rates are waaaaaay higher than the banks (I know your credit history ain't so good and your income not so good either but I'm down to help)

Oh, BTW, if you fail to repay me.... I claim your shit. Sounds reasonable right? I should totally be offering this deal to those without the means to repay it, right? That doesn't make me bad.... I'm not taking advantage of you....

See, I'm one of the good guys. Next imma go start a payday loan company and be the bestest of good guys!

Maybe in the future after I seize your house we can be best buds. I'm just trying to help build you up. Win win!