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"When you are weak, do not bluff. Overselling your position can burn years of trust."

In this exclusive Billionaires.com interview, technologist, banker and long term operator Pavan Agarwal shares how he has spent decades at the intersection of artificial intelligence, real estate and financial services.

Pavan grew up helping his family build Sun West Mortgage, which started with less than $100,000 and became a multi billion dollar national mortgage lender and servicer. As a first generation immigrant who wrote his first AI program in 1985, he understands both the emotional side of homeownership and the deep technical side of lending.

In this conversation with Richard C. Wilson (Billionaires.com and Family Office Club), Pavan talks about:

How Sun West survived the 2008 crisis with only $50,000 left and why long term partners stepped in to help

Why AI is more like an ocean than a short term wave and why most people are chasing hype instead of fundamentals

How AngelAi, a fintech AI companion, works to reduce bias, build trust and simplify life changing financial decisions

How an AI patent portfolio received a valuation of more than $100 billion

What gets his attention when a founder does not have a big track record yet

The biggest mistakes he sees investors and founders make and how to think in cycles instead of headlines

If you are interested in AI, real estate, mortgages, wealth building or family office investing, this interview is packed with practical insights and real stories.

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