Mortgagee vs Mortgagor - Meaning. While the term mortgagee comes into use for the person, company, or financial institution that provides finance or loan. On the other hand, Mortgagor is a person or a company that borrows money from the mortgagee. Mortgagee offers a loan to numerous mortgagors based on their risk profile.. A mortgage is a home loan that helps you purchase a property. The mortgagor is expected to put a specified amount down on a home, and the mortgage covers the rest of the cost of the property. The minimum down payment is typically 3% - 5% of the total cost of the property. Some loans, including VA loans, don't require a down payment.

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A mortgage is a legal agreement between the mortgagor (borrower) and mortgagee (lender), where the mortgagor obtains a loan to purchase a property, using the property as collateral. The mortgagee has a legal interest in the property until the loan is fully repaid. This a legal contract that outlines the terms and conditions of the loan.. Mortgagee. T he term "mortgagor" refers to you, the borrower, and can be used to refer to all parties involved in taking out a mortgage loan. When thinking about the mortgagor/mortgagee relationship, remember that the mortgagee is the entity lending the money for the home, while the mortgagor is the person or persons borrowing the money to.