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mortgage

The term "mortgage" hales from the Old French words, mort, meaning "dead," and gage, meaning "pledge." It is translated to represent the doubtfulness of whether or not a debt will ultimately be paid. That is to say, if the property is not paid for in full, then it becomes "dead" to the mortgagor. (He has no claim to it) However, once the debt is paid in full, then the pledge from the mortgagor is said to be "dead," or completed.

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Today, the definition, although not changed in essence, has become refined to describe a temporary pledge of one's property to some form of creditor until the repayment of the debt is complete. The cost of purchasing a house is astronomical, and steadily rising. As a result, the majority of homeowners establish a mortgage through which they can break up the cost and pay it off over the course of some pre-determined time frame with interest.

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