Which mortgage remedy transfers the property from the mortgagor to the mortgagee?

• A. Remains with mortgagor
• B. Only enforces personal liability
• C. Transfers the property from mortgagor to mortgagee
• D. Cancels the mortgage

Answer: (C)

When a borrower defaults, one way the lender enforces the mortgage is by obtaining title to the security. This process, foreclosure, transfers ownership of the property from the mortgagor to the mortgagee, extinguishing the borrower’s right to redeem and making the debt recoverable from the property itself. The other options describe outcomes that don’t result in title passing to the lender: keeping the property with the borrower, pursuing only a personal liability without transferring the land, or cancelling the mortgage after repayment. So the remedy that matches a transfer of ownership into the mortgagee is foreclosure.