As a mortgage professional, I understand the importance of ensuring that my clients understand the terms and conditions of their mortgage. I typically start by having an initial consultation with my clients to thoroughly explain the terms of the mortgage agreement. During this consultation, I encourage my clients to ask any questions they may have so that I can provide them with the necessary information to make an informed decision. I also provide my clients with a copy of the mortgage agreement, highlighting the key terms and conditions. Additionally, I follow up with my clients after they have completed the mortgage application process to confirm that they fully understand the terms and conditions and to answer any outstanding questions they may have. Overall, I believe that effective communication, transparency, and ongoing support throughout the process are critical in ensuring that my clients understand the terms and conditions of their mortgage.