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Mortgage Law in Florida. In Tampa, Florida, a mortgage is a loan given to purchase a specific piece of property – usually a house – with the property being purchased with the loan serving as collateral for that same loan. Taking out a mortgage is not a trivial matter. But, if you want to purchase a house, this is likely only way it will be.

"Though mortgage rates are rising. Zillow is reporting this week that a limited U.S. housing inventory and rapid price appreciation have kept sellers firmly in the driver’s seat for several years.