Mortgage is the method of borrowing money for purchasing residential or commercial real estate property without paying the full value at one time. In case of any mortgage loan repayment is carried out with regular cash payment including interest over a period of time. Interest rates and repayment period depends on different variables depending on the technical points of mortgage loan. However, failure to make payments results in the foreclosure of the mortgage in order to meet the remaining mortgage debt. The articles directory on mortgage discusses various related points like mortgage refinance, variable rate mortgage, mortgage debt consolidation etc.