As long as you go through the formal channels, it is very safe and you don't need to worry.

Whole house mortgage loan process:

1. The borrower applies and submits relevant materials.

2. Conduct real estate appraisal and pre-loan investigation and approval.

3. Pass the examination and approval and go through the mortgage registration formalities.

4. When issuing the loan, the borrower will repay the loan principal and interest regularly according to the contract.

5. Settle the loan principal and interest and recover the mortgaged house.