Crossword Genius

Has a mortgage, say (4)

Ross

I believe the answer is:

owes

'has a mortgage say' is the definition.
(I've seen this in another clue)

This is all the clue.

(Other definitions for owes that I've seen before include "Is indebted to" , "still hasn't paid" , "Has to pay" , "Is in debt to" .)

I've seen this clue in the Universal, the L.A. Times Daily, the Wall Street Journal and the New York Times.
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