The mortgage is typically secured by the property as collateral, which means that if the borrower fails to make payments on the loan, the lender has the right to seize and sell the property in order to recover their money.
But the lender has already SEIZED your property in your mortgage contract at your Signature exchange Closing where the property was already legally paid off with a zero balance which was and is unknown to you!
Mortgages can come in different types, such as fixed-rate mortgages, adjustable-rate mortgages, and interest-only mortgages or HELOCS on an 80/20% mortgage. The type of mortgage that is best for an individual will depend on their financial situation and their goals for thinking they have homeownership of the property.
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