The context of the following conversation is After being told that they couldn't get a traditional load, Jordan had to use their home to secure the loan.:
Jordan says The bank would not give us a normal loan so I had to use our house to get it for the boat..
The friend responds Will you be able to pay it off?.
Jordan responds Absolutely, we have been saving up for this for a long time..
The friend responds The bank will be ruthless when it comes to getting their money..
Jordan responds I know, it is not like we just randomly decided to get a boat though..
The friend responds I can't wait to go out on the boat with you once you get it..