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on the Web, however, can help you bypass the traffic jams at the call center. Operation of the mortgage The borrower (also called the mortgagor) uses a mortgage to pledge real property colorado springs mortgage rate the lender (also called the mortgagee) as colorado springs mortgage rate against the debt (also called hypothecation) for the rest of the value of the property. In legal terms, the creation of a mortgage gives the legal title of the land to the mortgagee and an equitable title (called "equity of redemption") to the colorado springs mortgage rate The legal title, however, only exists as a security for a debt and does not convey any title or powers associated with real property. The mortgage instrument contains two parts: the mortgage, which is the pledge the promissory note (or simply note) which is the actual evidence of the debt and promise to repay To protect colorado springs mortgage rate lender, a mortgage is recorded in the public records creating a lien (when there are multiple liens, order of recording