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The borrower agrees to fully repay the loan with regular payments that cover principal and interest, spread out over a set number of years.
If the borrower current personal loan rates to make the agreed-upon payments, the lender has the right to take possession of the property.
Are mortgage loans public record. Mortgage loans are public record. In the spirit of government transparency, Freedom of Information laws allow the public to access certain records held by the government, including mortgages. Accessing information regarding mortgage loans can be useful for potential property buyers who are seeking to make an offer on a home.
For example, this information can let you know how much a property's value has changed over the years from one sale to the next. These records can also let you know how often a property has been listed for sale. Public mortgage records can usually be accessed via an online search.