What if debt wasn't the enemy—but your greatest tool for building wealth? In this powerful episode of The Future of Finance, host Marissa Wood sits down with mortgage expert Jason Johnson of Sun Point Home Loans to uncover how the wealthy use strategic borrowing to grow their net worth. From celebrity mortgage moves to bridge loans and amortization tricks, Jason shares 22 years of experience to help everyday homeowners and aspiring investors make smarter financial decisions. Whether you're a first-time buyer, investor, or just looking to refinance the right way—this episode is packed with actionable insights. 👉 Need a mortgage consultation? Reach out to Jason at (813) 781-2744 or search "Jason Johnson SunPoint Home Loans" to see his 400+ 5-star reviews. 💬 Ready to talk investing, life insurance, or retirement strategy? Book a meeting at UnionFinancial.com ⏱️ Timestamps 0:00 - Intro: Why the wealthy love debt 1:05 - Jason's journey from carpenter to mortgage broker 2:20 - Why celebrities (like Meghan & Harry) take mortgages 3:50 - The power of leverage and investment returns 5:00 - How to get pre-approved for a mortgage 6:20 - How much house can you actually afford? 8:00 - What is a HELOC and when should you use one? 10:00 - Refinancing: When does it make sense? 13:15 - What to do with your savings after refinancing 14:30 - How amortization works and how to beat it 17:15 - Recasting: The mortgage trick no one talks about 20:00 - Why life insurance is a must with a mortgage 22:20 - Jason's best & worst financial decisions 26:00 - What first-time buyers and investors need to know 27:00 - Bridge loans: A powerful strategy for movers and investors 29:00 - Florida's Hometown Heroes program explained 30:30 - How to get in touch with Jason and Marissa