When our ancestors abandoned the hunter gatherer lifestyle for the agrarian revolution, they needed some way to settle and essentially a system developed where land was owned by tribal leaders. The tribal leaders would then collect payment from the members of the tribe for their use of the land which was much like the property taxes that we pay in today’s real estate sector in Houston Texas. During the middle ages the tribal leaders were replaced by kings who essentially owned all the land and charged property taxes to the peasants. Then eventually the peasants were replaced by the social classes. Mortgages in the olden days consisted mainly of loans given to nobility and as the industrial revolution became more prominent, wealth became better distributed and banks were able to lend to high risk borrowers which allowed people to own homes hence the Real estate sector as we know it today in Houston Texas.