The emerging punk rock duo Teen Mortgage operates musically in the realm of garage punk and surf punk. Founded by John (guitar/vocals) and Ed (drums), the band is known for their raw sound, which combines dark, distorted guitar riffs with driving drums. Their music conveys an aggressive yet catchy atmosphere that harkens back to the roots of punk and is influenced by the gritty sounds of '90s grunge. Notably, they have the ability to create a dense, powerful wall of sound despite their minimalist lineup (just guitar and drums). Their lyrics often address societal and personal issues, characterized by youthful rebellion and dissatisfaction.