BEGIN:VCALENDAR
VERSION:2.0
CALSCALE:GREGORIAN
BEGIN:VEVENT
URL:https://www.learndesk.us/class/6620336978132992/lesson/c8366d409d9b893f1a0c4d4db55fb3c5?ref=outlook-calendar
SUMMARY:Mortgage Concepts
DTSTART;TZID=America/Los_Angeles:20260516T190000
DTEND;TZID=America/Los_Angeles:20260516T200000
LOCATION:https://www.learndesk.us/class/6620336978132992/lesson/c8366d409d9b893f1a0c4d4db55fb3c5?ref=outlook-calendar
DESCRIPTION: 
Mortgage law
Loan instruments
The flow of mortgage transaction
Mortgage priority

Mortgage law 
Hypothecation. It is common to use borrowed money to purchase real estate. When a borrower gives a note promising to repay the borrowed money and executes a mortgage on the real estate for which the money is being borrowed as security, the financing method is called mortgage financing. The term "mortgage financing" also applies to real estate loans secured by a deed of trust. The process of securing a loan by pledging a property without giving up ownership of the property is called hypothecation.
Lien theory vs. title theory. States differ in their interpretation of who owns the mortgaged property. Those that regard the mortgage as a lien held by the mortgagee (lender) against the property owned by the mortgagor (borrower) are called lien-theory states. Those that regard the mortgage document as a conveyance of ownership from the mortgagor to the mortgagee are called title theory...

https://www.learndesk.us/class/6620336978132992/lesson/c8366d409d9b893f1a0c4d4db55fb3c5?ref=outlook-calendar
STATUS:CONFIRMED
SEQUENCE:3
BEGIN:VALARM
TRIGGER:-PT10M
DESCRIPTION:Class Reminder
ACTION:DISPLAY
END:VALARM
END:VEVENT
END:VCALENDAR