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why is it so hard to spell mortgage theres a t in that word its m-o-r-t-g-a-g-e youre watching the your smart mortgage guide channel and today were talking about how to spell mortgage why that t is important and what does mortgage even mean so there is a t in the spelling of mortgage and in the english language anytime there is an rtg cluster the t is always silent so lets break down that word into two parts and lets start with the last half of the word the word gage g-a-g-e actually means pledge in the english language and for a mortgage to mean pledge this makes perfect sense because youre pledging to pay off your home loan over the course of the term so in most cases its 30 years so youre making a pledge to pay back that lender for your home so lets talk about the first part of the word which is a little scary m-o-r-t believe it or not this actually comes from the latin word m-o-r-t which means dead so ultimately this is a dead pledge but thats not a bad thing its a dea