Wow sell a house for $1,700,000, then buy a house for $1,240,000 and to need a loan for $980,000 and a home equity loan for another $90,000 plus using  the house to guarantee $700,000 to Sumida. Kealoha's are mortgaged to the hilt an Sumida gets air for his expenses after the bank gets theirs. Bad loan for the Credit Union.