How can i make a model to walk over a terrain

Sorry for this newbie question.. but as you can see.. i'm new with Ogre and Mogre..

I can load a terrain, use input with MOIS and add Skies and Fog.. but.. i don't know hoy to load a mesh over the terrain (i know how to load the mesh, but not over the terrain) and make de mesh to walk there.

Thanks everyone!!

I do it by having spawn points and loading my characters at those spawn points. I also use MogreNewt for physics and collision detection, which makes it possible for any characters to adapt well to the geometry.

Could you bring some sample of how do you this? i Don't have too much idea of how to use Newton for physics and collision...

Thanks!!