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What is a mortgage? – Consumer Financial Protection Bureau

December 6, 2025

What is a mortgage? A mortgage is an agreement between you and a lender that gives the lender the right to take your property if you don’t 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. What are key features for comparing different mortgages?

https://www.consumerfinance.gov/ask-cfpb/what-is-a-mortgage-en-99/

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