[ex-Texan]

You believe in an illusion. Fail to make two required mortgage payments and you may wake up. Maybe. There is still time.

[There is a distinction] between common law [title] and equity title [that] helped develop forms of security based on the distinction, now known as the mortgage. Enjoyment of the property during the period where the mortgage was in good standing could be assured through the equity courts, while the right to foreclose on the property to merge the common law and equity title were guaranteed in the common law courts." Source

[Toddsterpatriot]

You believe in an illusion.

Great, so the bank that owns my house will pay my property taxes?

Enjoyment of the property during the period where the mortgage was in good standing

Are you saying that if I stop paying my debts my stuff might get taken away? Did you need to go to law school to learn that one?