A land application agreement is a document that extends the scope of a mortgage to other properties and sometimes to new lenders or borrowers. Mortgage companies can use the mortgage spreader agreement to get more collateral for the loan. This means that if a borrower does not make mortgage payments for a property under the mortgage spreader agreement, the lender can exclude all properties listed in the agreement, even if the others are up to date on their payments. The borrower may agree to enter into a mortgage application contract in order to save money to pay higher mortgage registration fees when obtaining new mortgages for real estate. References: financial-dictionary.thefreedictionary.com/spreading+agreement. . . .