uh... yeah... you can apply for a mortgage. but a mortgage is not a cash loan. you don't GET that money... you can't spend it on stuff. A mortgage is the bank agreeing to buy a house up to a certain price point, and then letting you live there. and even then, you still have to put up hard cash to secure the purchase.

a home equity loan is essentially just the same as if you already had the cash, and spent that on some dumb gambling shit... except worse, because it's not cash- it's equity that you have tied up in a property that you still don't own outright.

and if you don't know what any of that means, then you ABSOLUTELY should not be fucking with derivatives. or just YOLO because it's hilarious and produces awesome memes when you, specifically, do so.