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Because you legally own your property.

So long as you make your payments on time, the lienholder cannot confiscate your property to make the pie whole. The money might be theirs, but the property is yours.

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Depends on the jurisdiction but they are often within their rights to call the loan especially if it goes into negative equity.

Bullshit. US residential mortgages can't be called, even if there's negative equity.

The US isn't the only country in the world

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