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What is a mortgage? A mortgage is not a loan. A mortgage is the security instrument that creates the lien against the real estate. The loan is created by the note, sometimes called the promissory note, A mortgage promissory note is a promise to pay. Most people prefer a fixed-rate mortgage. But it is also possible to have an adjustable rate mortgage, a bi-weekly mortgage and a balloon mortgage. You can get a conventional mortgage if you have good credit. This will give you the lowest interest rate. Calif...

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