Mortgage is business associated with its own pros and cons. The usual thing that is always done in any transaction is the inquiry about the safety of the mortgage leads. The safety when ever considered as a major issue the value involved is high so as the risk involved in that action. So as we all know mortgage lead is a highly risky operation. The person has to decide with two outcomes. Whether he need to be with what he have or do the risk of loosing what he has to get a valuable thing than what he has now. The risk is usually taken many that is why there are many mortgages done. The safe way until known now is the mortgage the property in the bank. The bank is expected not to cheat and will follow a safe procedures than the other private groups. And also the risk involved in this kind of bank mortgage will be much less compared to its other private groups. But this too is left with its own disadvantages. The timely steps are not usually taken in the banks. It is really a slow process where in some cases if apply for the money for delivery the money will be got only for the marriage of the child.