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What Bankers Won't Tell You. Monday, April 2, 2007. Principles of Mortgage - Part 1. Most people understand a mortgage to be a home loan. The technical definition, however, is a bit more complex. A mortgage is actually a loan in which you, as the borrower, offer your property and land (the title) as security until such time as the loan (principle plus interest) is repaid, say 10, 15 or 25 years down the line. Four Basic Components of Mortgage Calculations. Amount of money borrowed. The length of time use...
