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Mortgage Loan

A mortgage is an agreement between you and a lender that gives the lender the right to take your property if you fail to repay the money you've borrowed plus interest.

Mortgage loans are used to buy a home or to borrow money against the value of a home you already own.

KEY TAKEAWAYS

Mortgages are loans that are used to buy homes and other types of real estate.
The property itself serves as collateral for the loan.
Mortgages are available in a variety of types, including fixed-rate and adjustable-rate.
The cost of a mortgage will depend on the type of loan, the term (such as 30 years), and the interest rate that the lender charges.
Mortgage rates can vary widely depending on the type of product and the qualifications of the applicant.