Mortgage procedures are dealt in detail in this article. All of us would have done mortgage and may have the question what is new in this article and ask my precious time to read it. For all like me this is a part of the mortgage that is not known to you unless you have experienced it on your own in your life time. Many know mortgage as a remedy to their temporary problems. But in general mortgage leads and leaves us all of us as a permanent problem and not as a solution. The mortgage lead will be good when we run in the life cycle race. But the finishing in the race will never will be what we expect. They will leave us back than what we would have done without their help. The help from them is what we get from our enemies. They would never take us to the part that is the most beautiful. The path will be easy and beautiful but will be getting dumped in trash. So the idea for all of you who write this is to not at all take mortgage in your life time. This is not an advice but this is a suggestion.