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While refinancing a home is primarily used for either reducing a monthly payment or raising some needed cash, a third and underutilized option is to refinance in order to shorten a period of.
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Mortgage loan basics Basic concepts and legal regulation. According to Anglo-American property law, a mortgage occurs when an owner (usually of a fee simple interest in realty) pledges his or her interest (right to the property) as security or collateral for a loan. Therefore, a mortgage is an encumbrance (limitation) on the right to the property just as an easement would be, but because most.