On part 3 at 2:30 can someone explain what he is talking about in refinancing building mortgages at half the amount? Links to 4 parts http://www.youtube.com/watch?v=sjsd4hbFArM http://www.youtube.com/watch?v=ePPxTP_Ms5I http://www.youtube.com/watch?v=Glcj_besuy8 http://www.youtube.com/watch?v=4Mttt0YYXDs