Oh for sure. I guess I’m going on about true home ownership. If you don’t hold the deed to the house, it aint yours lol. Even if 99% way to paying off mortgage. Until the lender hands the deed to the borrower, theres no house you own.

I think we need different vocabulary for people with mortgages. People easily say they own a house even if mortgaged. They should be saying “I borrow a house from the bank, I’ll own it in 23 years.