A mortgage is a method of using property (real or personal) as security for the performance of an obligation, usually the payment of a debt.The term mortgage (from old French, lit. dead pledgehttp://www.etymonline.com/index.php?term=mortgage Online Etymology Dictionary, "so called because the deal dies either when the debt is paid or when payment fails."http://www.bartleby.com/61/2/M0430200.html The American Heritage Dictionary of the English Language: Fourth Edition. 2000.) refers to the legal device used for this purpose, but it is also commonly used to refer to the debt secured by the mortgage, the mortgage loan.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 m
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