How a financial company or organization works? How these companies help in strong building and feed backing of an economy? What is the basic and fundamental rules and regulation followed by finance providing companies? What type of problems faced by a lienor at the time of lending finance? How we can minimise the problems of lienor and lienee? All these are the questions present in ones mind whenever he/she talk about the loans, mortgage and refinance. In the following article all these are widely discussed. Advantages of mortgage and refinance for a lienor, lienee and economy.