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What Is a Mortgage? The Basics for Homebuyers - Clever Real Estate What is a mortgage? Let’s start with the basics: a mortgage is a secured loan used to buy a house, land, or any other property When you take out a mortgage, a bank loans you money to buy a particular property In return, you must repay the loan with any added interest, typically over the course of 15 or 30 years The property itself serves as collateral for the loan, meaning the lender
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