A mortgage loan is a loan secured by real property through the use of a note
which evidences the existence of the loan and the encumbrance of that realty
through the granting of a mortgage which secures the loan. However, the word
mortgage alone, in everyday usage, is most often used to mean mortgage loan.

A home buyer or builder can obtain financing (a loan) either to purchase or
secure against the property from a financial institution, such as a bank, either
directly or indirectly through intermediaries. Features of mortgage loans such
as the size of the loan, maturity of the loan, interest rate, method of paying
off the loan, and other characteristics can vary considerably.

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