Of all the models, I like the American model best. The essence of the American mortgage model is that the buyer buys a house, paying only a tiny part of the cost out of his own money. The mortgage bank pays the missing amount, and the borrower has to repay the borrowed funds over the next 15-30 years. Mortgage Advisor Leicester, in turn, assigns the loan to one of the specialized mortgage agencies. The later reimburse the lending institution for the money it has issued to the borrower and issues securities, the payments on which become the borrower's payments. And the agency sells the guards on the stock market.