"While I may look like some famous celebrity type strolling in the French Riviera, I'm just a licensed mortgage fella from Seattle who's Refuses to charge his friends closing costs on their home loans. Will you be my friend?" :)
"What is better than sunning myself on exotic beach locales whilst eating lemon-ginger cookies? Lending you my fancy money to buy a house AND some extra money to remodel as you want in one easy-to-do loan" --FHCBMD