Getting a Mortgage
Have you ever heard someone say "I'm getting a mortgage"?
They're not actually getting a Mortgage; they're giving a Mortgage. When financing the purchase of a home, the Lender gives the Borrower a Note (a promise to repay) and the Borrower gives the Lender a Mortgage which puts the home up as collateral against the Note.
This is why you can get a big loan, like a house loan, for 4% and a smaller car loan for 6%, but your Credit Card debt is often at 10% or more because this is considered an un-secured debt. A house doesn't just walk away and, usually, the owner is living in it so it is much more personal than a piece of plastic.