Definition: Mortgage means to use or take in a large sum of money for the purpose of purchasing an item or service, such as a home, car, or vacation property. The "matters" part means it applies not only to how much you can borrow with your mortgage, but also about what happens when you start paying back the loan. For example, if you were offered 30% down payment and agreed to make $200 in monthly payments for 25 years, you could say that "mortgage matters" because it applies to both the down payment amount and the monthly payments. This means that you need to have a large deposit or assets available when you start making monthly payments, so that you can stay current on your mortgage payments. The definition of the word "mortgage matters" is quite broad and can apply to a variety of situations, depending on the specific context of the sentence.
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