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Mortgage insurance is available in Commerce. A mortgage company offers financing to the debtor or creditor in lieu of a personal property as charged for security of the loan. This is done on the understanding that the ownership of the property reverts to the debtor as soon as the loan is paid in full. A mortage insurance protects the investor or the lender against default by the debtor in case of untimely death or disability. Above certain cutoffs, mortgage insurance is compulsory in the country. It may be either publicly provided, or taken from private players. To cover for the risk, the insurer charges a premium, which is paid by either the lender or the creditor.