I think what you are trying to say usually sounds like "оформил ипотеку под залог недвижимости (виллы)".

in a pawnshop they say "заложил золотое кольцо с бриллиантом", "заложил кольцо в ломбард (pawnshop)"


but money and credit technical speak is not something I understand well enough, may be that sentence makes sense to finance people