"I suspect the bank wanted to foreclose because we were so near to paying off the mortgage," says Mark.

马克说，“因为我们已经非常接付清近抵押借款了，所以我猜测银行就是想取消我们的抵押品赎回权。”

youdao

The decision makes its clear that, at least in the state of Massachusetts, a bank or lender that wants to foreclose on a home must own the mortgage in order to do so.

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It's like there's no hope you're ever going to pay back the mortgage, but they don't want to foreclose on you because otherwise the house sits there and falls to pieces.

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Sharon nods, but explains that if they keep missing their mortgage payments, the bank will foreclose.

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