Classify the surface. 
Definitions:
First Mortgage
A primary lien on a property that takes precedence over all other mortgages or liens, typically related to the original loan used to purchase the property.
Second Mortgage
A loan taken out on a property that is already mortgaged, with the second loan being subordinate to the first.
Mortgage Rate
The interest rate charged by a lender for a loan used to purchase a property.
Average Cost
The total cost of production divided by the number of units produced, representing the cost per unit.
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