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The effect if a joint tenant mortgages his share of the property is as follows: In title theory states, the joint tenancy is severed; the mortgage conveys legal title to the mortgagee. In lien theory states, a mortgage does not sever the joint tenancy; the mortgagee does not have legal title. Note: Lien theory states differ on the result if the mortgage is not paid off before the joint tenant debtor dies.

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