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A mortgage is a written document that creates a lien on real estate as security for the payment of a debt. It is recorded at the Registry of Deeds and is not released from your title until the mortgagor (the lender) is paid in full. Although a mortgage is traditionally given to a mortgage lender, it can also be given to a private individual who lends money. The mortgage is usually accompanied by a promissory note that sets out in detail the terms of the loan. The note will contain such terms as the interest rate, monthly payments, due dates and default provisions. Unlike the mortgage, the promissory note is not recorded at the Registry of Deeds.