Mortgage refers to the act of offering something as collateral for a loan. A secured loan may be referred to as a mortgage. In general, all types of mortgages are secured loans. This means that the borrower provides collateral to the lender for the property. Asset-backed loans are also known as mortgage loans. It is possible to refinance or buy a home with a mortgage in Roseville. A person who refinances a property receives a new loan while the original loan is being paid off. This is often done to improve the terms of the loan.