100 mortgage financing is a term that basically states the funding for a property and who the financer is. With a lot of properties, they will be funded jointly, partly by the person who wishes to have the mortgage on their desired home, and the remainder from the mortgage company or lender who will loan them the balance of the mortgage, and this can be anything from 10% to 90% mortgages ordinarily.

For 100 mortgage financing, this means that the mortgage company will loan the full 100% of the loan and the person wanting the mortgage has no deposit, stake or security in the building.

When the mortgage market is lower and the demand outstrips supply, then this is a good position for the lender to be in, since they know that even if their current customer should default on the mortgage loan, they can repossess the house and still get some money back, so the risk for them on the 100 mortgage financing is very low.

Consequently, when the market is higher and mortgages are hard to come by, the risk is greater since less people can afford the mortgage and the demand is less, this causes the house prices to fall and it becomes harder to reclaim the mortgage finance that the lender lent, so their risk is much greater and they may lose money.

The conditions of the market need to be right for 100 mortgage financing to work correctly.