Lenders in the mortgage market provide borrowers with the money they need to make real estate purchases. Over time, the borrower makes mortgage payments to pay back the principal and interest on the loan. Lenders have the right to foreclose on a borrower's property and reclaim any funds that have not been repaid.

Mortgage loans can be broken down into a number of categories, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), government-insured loans (such as FHA or VA loans), jumbo loans for high-value homes, and specialised loans for purposes such as rehabilitation or building.

A mortgage loan/Mortgage Finance in UAE application's viability is evaluated in relation to the borrower's credit history, income, employment stability, debt-to-income ratio, down payment, and the property's appraised worth. Lenders will look at things like these when figuring out whether or not they will get paid back on a loan.