A mortgages the pledging of a property to a lender as a security for a mortgage loan. While a mortgage in itself is not a debt, it is evidence of a debt. It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower.The term comes from the old french"dead pledge," apparently meaning that the pledge ends (dies) either when the obligation is fulfilled or the property is taken through foreclosure.In most jurisdictions mortgages are strongly associated with loans secured on real estate rather than other property (such as ships) and in some cases only land may be mortgaged. Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property.The home loans is a comprehensive consumer guide to mortgages, credit lines, refinancing, interest rates, credit reports and the home loan application process. There are so many different types of loans out there to accomodate the many different situations home buyers and home owners need. Be sure to research, shop, and compare all loan types to find which one best suits you.The current market has made if very difficult for many borrowers to refinance or purchase a home. If you are not sure if you qualify to refinance or purchase a new home, mortgage finders network will help you with your mortgage loan process.You can find out the varying costs of administering and interest on the mortgage from a mortgage advisor – this can vary enormously over time and also from one lender to another. The mortgage finders network is the best website to find out the best rates for you.