# Mortgage

Mortgage is treated as an interconnected process and meaning field. The chapter moves from grounded mechanisms to incentives, risks, history, relationships, mapshifts, and human consequences.

## Core traversal

- [Mortgage](../nodes/mortgage/mortgage.md) — Mortgage moves future household income into present purchasing power
- [Thirty-Year Fixed Mortgage](../nodes/mortgage/thirty-year-fixed-mortgage.md) — Thirty-Year Fixed Mortgage moves future household income into present purchasing power
- [Fifteen-Year Fixed Mortgage](../nodes/mortgage/fifteen-year-fixed-mortgage.md) — Fifteen-Year Fixed Mortgage moves future household income into present purchasing power
- [Adjustable-Rate Mortgage](../nodes/mortgage/adjustable-rate-mortgage.md) — Adjustable-Rate Mortgage moves future household income into present purchasing power
- [Interest-Only Mortgage](../nodes/mortgage/interest-only-mortgage.md) — Interest-Only Mortgage moves future household income into present purchasing power
- [Balloon Mortgage](../nodes/mortgage/balloon-mortgage.md) — Balloon Mortgage moves future household income into present purchasing power
- [Graduated-Payment Mortgage](../nodes/mortgage/graduated-payment-mortgage.md) — Graduated-Payment Mortgage moves future household income into present purchasing power
- [Growing-Equity Mortgage](../nodes/mortgage/growing-equity-mortgage.md) — Growing-Equity Mortgage moves future household income into present purchasing power
- [Purchase Mortgage](../nodes/mortgage/purchase-mortgage.md) — Purchase Mortgage moves future household income into present purchasing power
- [Rate-and-Term Refinance](../nodes/mortgage/rate-and-term-refinance.md) — Rate-and-Term Refinance moves future household income into present purchasing power
- [Cash-Out Refinance](../nodes/mortgage/cash-out-refinance.md) — Cash-Out Refinance moves future household income into present purchasing power
- [Home Equity Loan](../nodes/mortgage/home-equity-loan.md) — Home Equity Loan moves future household income into present purchasing power
- [Home Equity Line of Credit](../nodes/mortgage/home-equity-line-of-credit.md) — Home Equity Line of Credit moves future household income into present purchasing power
- [FHA Loan](../nodes/mortgage/fha-loan.md) — FHA Loan uses public insurance, guarantee, or standards to reshape access and risk
- [VA Loan](../nodes/mortgage/va-loan.md) — VA Loan uses public insurance, guarantee, or standards to reshape access and risk
- [USDA Guaranteed Loan](../nodes/mortgage/usda-guaranteed-loan.md) — USDA Guaranteed Loan uses public insurance, guarantee, or standards to reshape access and risk
- [USDA Direct Loan](../nodes/mortgage/usda-direct-loan.md) — USDA Direct Loan uses public insurance, guarantee, or standards to reshape access and risk
- [HUD 184 Loan](../nodes/mortgage/hud-184-loan.md) — HUD 184 Loan uses public insurance, guarantee, or standards to reshape access and risk

## How to read this chapter

Follow claims and cash flows separately. Ask who holds authority, who supplies information, who receives benefit, who carries risk, and what changes when time or scale changes. Keep sourced fact, industry practice, synthesis, interpretation, and symbolic expression distinguishable.

## Mapshifting prompts

1. Change the unit of analysis from property to right, loan, cash flow, role, record, neighborhood, or institution.
2. Change the clock from closing day to thirty years, one market cycle, one building life, or several generations.
3. Change stakeholder and ask which previously invisible cost becomes central.
4. Return to the human map before choosing a move.

## Sentinel handoff

Legal, regulatory, fair-lending, historical, financial, cultural, and jurisdiction-specific annotations remain separate from Engine Output. They inform contextual use without flattening the graph.
