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When you sign a promissory note, you are the one creating the value. That signature becomes the asset. The bank does not lend existing money. They endorse your note, convert it into credit, and monetize it multiple times while you stay locked into monthly payments believing you still owe them. They get paid at application. They get paid when the note is securitized. They get paid when it’s sold to investors. They get paid again through interest. All of it starts with what you signed. This is why
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