m/m/
Press your lips together. Air flows through your nose. Vocal cords vibrate.
How to pronounce mortgage in American English
MOR·guhj
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Americans pronounce mortgage as MOR-guhj (/ˈmɔrgədʒ/). Stress falls on the first syllable — keep everything else short and quick. You'll hear it in sentences like "The interest rate on my mortgage is fixed for the next thirty years".
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Sound by sound
Every sound in "mortgage".
2 syllables, 5 sounds. Tap a syllable to jump to its row, then explore each sound's mouth shape and how it's made.
or/ɔr/
Start with the 'aw' jaw drop and rounded lips. Pull the tongue back and up while keeping the lips rounded for the R.
g/g/
Raise the back of your tongue to touch the soft palate. Add vocal cord vibration, then release.
uh/ʌ/
Relax your lips, jaw, and tongue completely. Drop your jaw slightly and keep the tongue neutral.
j/dʒ/
Touch the front of your tongue to the roof of your mouth, then release into a 'zh' position. Add vocal cord vibration.
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Watch out
Common pronunciation mistakes in American English.
The textbook way isn't wrong — it's just not how anyone actually says it.
01
Stressing the wrong syllable.
Stress falls on the first syllable, not the others. Stretch MOR — keep everything else short and quick.
mor·GUHJ→MOR·guhj
02
Pronouncing the unstressed syllable too fully.
Don't pronounce the first syllable too fully. The unstressed syllable reduces to a schwa — the lazy "uh" sound — in casual speech.
MOR·GUHJ→MOR·guhj
03
Pronouncing the "R" too clearly.
Americans use a relaxed retroflex R — the tongue curls back rather than rolling. The R is one continuous sound with the vowel before it, not two separate sounds.
… (no R)→… r (curl the tongue)
Questions
Questions people ask about this.
How is "mortgage" stressed in American English?
Stress falls on the first syllable — say "MOR" with a longer, fuller vowel and keep every other syllable short and quick. The respell "MOR-guhj" marks the stressed syllable in capitals so the rhythm is easy to read at a glance.
Why does the second syllable in "mortgage" reduce to "uh"?
Unstressed syllables in American English collapse toward a schwa — a lazy, neutral "uh" sound. The full vowel is what textbooks teach, but in actual American speech every unstressed vowel reduces. The respell "MOR-guhj" shows the reduced form so you can hear the casual rhythm directly.
How do I pronounce the R in "mortgage"?
Americans use a relaxed retroflex R: the tongue curls back rather than rolling, and the R is one continuous sound with the vowel before it — not two separate sounds. Don't try to pronounce a separate vowel followed by a separate R. Treat them as a single shape.
Is the American pronunciation of "mortgage" different from British English?
American English uses different vowel shapes, a relaxed retroflex R, and connected-speech tricks like flap-T and glottal-stop T that British Received Pronunciation generally avoids. The respell "MOR-guhj" reflects the casual American form; British dictionaries typically print a citation form with crisper consonants and different vowel choices.
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