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Interesting Fact

  • English Common Law
    There is evidence of mortgages as far back as 1190 in English Common Law. Usually it seems where a debt went unpaid the person owed the money (creditor) could sell your (debtor) property. The history of the actual word “mortgage” is very interesting and comes from two old Latin words “mort”- which means dead or death and “gage” which means a pledge or to forfeit something. So a mortgage is a ‘death pledge’! Is it what I hear you sigh! In effect it was ‘dead’ in two ways: the property is “dead” to the creditor once the debtor paid off the loan, or if the loan is not paid off, the property was “dead” to the creditor.  

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Commercial Loan

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Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it. This new loan may take longer to pay off than your previous loans. This means you pay more than if you paid over a shorter term.