I would think this would be particularly problematic in title theory states such as Connecticut in which the mortgage is more than a lien. In Connecticut the legal title to the property is conveyed to the lender by the mortgage. The borrower retains equitable title (equity of redemption) until the mortgage is paid and legal title is conveyed back to the borrower. Most mortgages also contain an acceleration clause which accelerates the entire outstanding balance of the mortgage if the borrower changes his relationship to the title of the property during the term of the mortgage.

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