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A mortgage is the pledging of a property to a lender as a security for a mortgage loan. While a mortgage in itself is not a debt, it is evidence of a debt. http://en.wikipedia.org/wiki/Mortgage
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Each month, the Finance Board conducts a survey of rates and terms on conventional mortgage loans. The survey is known as the Monthly Interest Rate Survey or MIRS. http://www.fhfb.gov/
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