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One or more mortgage companies offer their services in South Burlington. 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. This is most popularly used for residential properties. Mortgage refinancing options may also be available. The company has to be accredited and licensed by the government.