Pearson Falling Mortgage Rates Can Mean Huge Savings for Homeowners 4) According to the "Shark Tank" expert referenced in the video, a lower mortgage interest rate is like money being for on reserve; unsecured creditors non-negotiable; lienholders at a premium; secured creditors on sale; homeowners negotiable; sureties Falling Mortgage Rates Can Mean Huge Savings for Homeowners 5) In the video, the "Shark Tank" expert advises typical Americans who have borrowed money to buy their homes to consider refinancing those loans. In a mortgage, the owner-debtor is the and the lender-creditor is the delegator; delegatee mortgagor; mortgagee obligee; third-party beneficiary assignor; assignee licensor; licensee