Plantilla de Acuerdo de Hipoteca

Lender (Mortgagee): [Lender's Full Name / Company Name]

Address: [Lender's Address]

and

Borrower (Mortgagor): [Borrower's Full Name]

Address: [Borrower's Address]

1. Property as Collateral

The Borrower hereby grants the Lender a mortgage lien on the real property located at: [Full Legal Description or Address of Property] (the "Property"), to secure the repayment of the loan described in this Agreement.

2. Loan Terms

The loan amount shall be $[Loan Amount], with an annual interest rate of [X]% and a loan term of [Number] years. Repayment shall be made in equal monthly installments of $[Installment Amount], beginning on [Start Date].

3. Payment Method

All payments shall be made via [Payment Method] to [Lender's Payment Information]. Payments shall be due on the [Day] of each month. Late payments may be subject to a late fee of $[Fee Amount].

4. Use and Maintenance of Property

The Borrower agrees to:

• Maintain the Property in good condition
• Not make major alterations without written permission from the Lender
• Not use the Property for illegal or unauthorized purposes

5. Insurance and Taxes

The Borrower shall:

• Maintain adequate homeowner's insurance with the Lender listed as a loss payee
• Pay all applicable property taxes and government assessments in a timely manner

6. Default

The following events shall constitute default:

• Failure to make timely payments
• Failure to maintain insurance or pay taxes
• Transfer or sale of the Property without consent

In the event of default, the Lender may initiate foreclosure proceedings in accordance with applicable law.

7. Right to Foreclosure

If the Borrower defaults under this Agreement, the Lender has the right to foreclose on the Property and recover the outstanding balance of the loan through legal means.

8. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of [State/Country].

9. Entire Agreement

This document contains the entire understanding between the Parties and supersedes all prior oral or written agreements relating to the subject matter.