Confusing cause and effect is one of the most common logical fallacies. It's a principal component of most propaganda. It's also known as the correlation/causation error, Post Hoc Ergo Propter Hoc or the false cause fallacy.
Loss Mitigation. Loss mitigation is a process used by mortgage lenders to work with buyers who are delinquent on their home loans. Through the loss mitigation process, a lender may modify the terms of a home loan, allowing the homeowner to sell the property for less than is owed, or transfer the deed back to the lender. The goals of loss mitigation are to reduce the potential loss being incurred by a lender when the borrower is delinquent.
A mortgage lien is a a form of conditional ownership of your property claimed by your home loan provider. Since your lender has a claim on your home, you need to keep up with your payment obligations or risk losing your property to foreclosure. When you complete your repayment commitment as set out in your mortgage contract, the lien goes away and you own your home free and clear.