“HEEP is about Team Learning. We don't have one boss, one man, one woman or one person running the whole show. Each participant has an impact on the outcome!”


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What is HEEP©   ?

The Home Equity Enhancement Program, also known as HEEP©, is a special purpose vehicle innovated and developed by Judge NC Naidu of the Native American Law & Justice Center.

Home equity sits in cyberspace – for want of a better word or description – and grows at a steady pace over the years after the house and the land is purchased through a mortgage loan process (‘mort’ is ‘death’ in Latin; ‘gage’ is ‘grip’ in Latin – therefore mortgage means… “Death Grip”).

When a homeowner has accumulated sufficient equity – what you originally owe versus the current market value of the house – a call comes from an encouragingly persuasive, motivated, and friendly lender who happened to discover that you qualify to be eligible for a ‘refinancing of your mortgage at a lower interest rate,’ or ‘for a low interest loan because you have been very good about your monthly mortgage payments for the last five, six, or seven years.’

The unsuspecting homeowner usually is convinced that all that praise and adulation about their payment history toward the house mortgage is welcome, recognized, and appreciated. The homeowner agrees that it is time to get some money for cheap, and spend this money for home improvements that is long overdue.

What happens next is quite familiar – you visit the lender, exchange greetings, review and sign the documents, get your check, and of you go to call the house remodeling guy whom you have been putting off for several months. Your house gets improved – a larger kitchen, a brand new deck, new roof, new paint, new refrigerator, or some extra cash left over for that long awaited vacation trip.

What the homeowner did not realize is that he or she has just borrowed his or her money from the equity they own, and to add insult to injury, they are paying a monthly sum for principal and interest for borrowing their own money when they would have got their money free and clear had they decided to sell and buy another house and repeat the process after seven years.

Equity is property you already own! You owe nothing on it!

HEEP is a novel way for the homeowner to use accumulated home equity, that is unencumbered, to be multiplied in a special purpose account, with other homeowners, without any risk attached or contemplated.

All that is required is proof of your home property assessed valuation (or by a recent appraisal) and your latest mortgage statement with the current mortgage balance. By the way, the county tax assessor’s office can tell you what your house is assessed at or simply look at your most recent property tax statement to determine the current assessed value.

For example, we will use a home that has an assessed/appraised value of $300,000. If the original mortgage loan has a balance of $190,000, your equity is determined by the assessed value at $300,000 minus $190,000 mortgage balance = $110,000 equity.

Your $110,000 equity is eligible to undergo transformation up to four times using the deposit multiplier formula that is defined in Barron’s Dictionary of Finance and Investment Terms as a magnification of your original deposit ($110,000) to expand to $440,000. This money is yours to keep because the home equity is yours to keep from the start. You pay no principal or interest for the $440,000 except for any taxes that might be owed, or keep it in a blind trust as a future nest egg.

Do not become a recurring statistic of the American dream that witnessed the greatest economic failure in our nation’s history when banks and the government stood by impotently and helplessly watching the Crash of 1929 and its aftermath.


  1. In Europe and the Far East where gold and real estate are used as a medium of exchange, these assets become eligible for expansion and enhancement through a process known as the ‘Asset Enhancement Protocols’ (AEP). Using the AEP as the model, the innovative HEEP program is being introduced to the American markets.Individual homeowners can now take advantage of what would otherwise be out of reach. Most international banks require a minimum of tens of millions of dollars to enter into these programs. Using the HEEP program, individual equities are pooled together to meet the bank minimum requirement to participate. Using international banking procedures and protocols, these documents are transformed into commercial value as a financial instrument and enhanced by a banking process know as the deposit multiplier. Risk? TheHEEP is risk neutral. Why? Because NO cash is being placed into the pooled account, (only the documents evidencing your equity) and no encumbrance is placed on or against the asset.Something you may not understand, homeowners in Europe and the Far East did not suffer the pain and humiliation that Americans are having to endure during the “subprime meltdown” because the fat cats who eagerly and enthusiastically participated in the initial loan facilitating exercise had made their fortunes using the DEPOSIT MULTIPLIER FORMULA, and were off leaving the troubled homeowners to sort out the mess with the banks and the government.

    The foolish man seeks happiness in the distance, the wise grows it under his feet. – James Oppenheim

  2. The author and innovator of HEEP for US markets takes unbridled refuge in the federal Constitution of the United States of America – the supreme law of the land according to Article VI – where it is guaranteed that an inventor or discoverer has an exclusive right to their respective discoveries (Article 1, section 8, clause 8) – in this case, HEEP is an exclusive discovery by Judge NC Naidu who has been studying financial markets for several years.
  3. The author and innovator of HEEP for US markets takes unbridled refuge in the federal Constitution of the United States of America – the supreme law of the land according to Article VI – where it is guaranteed that no ex post facto law shall be passed – Article 1, section 9, clause 3 – which means that the government cannot criminalize HEEP as a securities violation because no such law exists at the present time to declare it an illegal act.CAVEAT: The author makes this statement urging the reader to be aware of the genius of Michael Milken, who invigorated the use of high-yield bonds (junk bonds), and helped raise capital for such entities like MCI, CNN, McCaw Cellular, Barnes & Noble, Stone Container Corporation, Time-Warner, Safeway and Mattel. Milken was instead demonized, criminalized and crucified by an overzealous prosecutor named Rudolph “Rudy” Guiliani who tried to prove that Milken was engaged in insider trading, racketeering, bribery, and stock manipulation, plus a RICO charge thrown in for good measure. Fortunately, for Milken, Judge Kimba Wood did not buy it. Milken got two years as a “political bargain” so that the Manhattan U.S. Attorney’s Office will not look bad, and also to placate the fat cat wheelers and dealers of Wall Street who sought Milken’s blood because he wanted to help the businessman of Main Street.Ivan Boesky – a real insider trader who gave sources suitcases of cash – arranged a deal with the government to trap Milken, but his evidence was not used because prosecutors realized that Boesky lacked credibility as a witness!!University of Chicago law professor Daniel Fischel has examined Milken’s work in his book Payback: The Conspiracy to Destroy Michael Milken and His Financial Revolution. The author strongly encourages you to read this book.MCI, CNN, McCaw Cellular, Barnes & Noble, Stone Container Corporation, Time-Warner, Safeway and Mattel were not terrorized into returning the money!
  4. HEEP, qualifies as an exemption from Securities Exchange Commission under Regulation D, Rule 501, where the homeowners’ tranche qualifies as an “Accredited Investor,”according to Barron’s Dictionary of Finance and Investment Terms, if they have a net worth of at least $1 million, or annual income of at least $200,000 for individuals and $300,000 for married couples. Entities – corporations, limited partnerships, religious, benevolent and charitable societies with a net worth of $5 million are also eligible as“Accredited Investor,”


This is not a solicitation of any sort, style, fashion or manner. The information contained herein is educational, and can be tested in the marketplace of ideas, innovations, experiment, experience and exposure.

There are banking entities all over the world who have developed strategies closely akin to HEEP. These strategies have been transformed into lucrative programs that generate a steady and sure yield.

Readers are encouraged to read, study, absorb, and understand the inner working mechanism of financial instruments in the capital markets of the world, so that you, as an asset owner, are able to make your own choices and decisions without outside “assistance and counsel.”

The greatest good you can do for another is not just share your riches,

but to reveal to them their own. – Benjamin Disraeli

Learn to connect the dots, and you will be able to see the trees for the forest.


Should you be interested in participating in HEEP please go to the RESOURCES page for instructions on the process involved in submitting an application.


For assistance feel free to contact any of the coordinators listed below:

D.P. Dwyer             (WA)                       Bob Laughlin      bob@theheepbankers.com (CA)