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Do You Know What A Mortgage Is? This article is hopefully going to explain many of the things people believe about mortgages that are actually false. For instance, they are often referred to as a Mortgage Home Loans but they aren't actually loans in the traditional sense of the word. There are three terms that you need to learn that are used: the first is mortgagor (the property owner), the mortgagee (the company that takes on the security for the property) and the mortgage (the contract to pay between the two). What this means is this document is a way for the property to be used to safeguard any potential problems with payment until the house is finally paid for. What Is A Foreclosure? Everyone is worried about foreclosure but what exactly is it? It is a process that kicks in when a homeowner is unable to make his or her mortgage payments over a period of time, usually more than 3 months. Having said this, the foreclosure process does vary from lender to lender, with some starting as early as 2 months from the first date of missed payment to the lenders.

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