Mortgage offer – this term details a document which offers establishing a mortgage towards the creditor, as a type of security of payment of the debt, by the debtor towards the creditor. It is advisable to hire an independent property lawyer to check the legal status of the real estate, offered as a security, before mortgaging it, in order to ensure there are no previous pending mortgages in favor of 3^rd parties on it that would make the new mortgage – a useless one.