In a jurisdiction that follows the title theory of mortgages, what happens to a joint tenancy when one joint tenant grants a mortgage on his or her interest?

• A. No, the joint tenancy remains with the survivor.
• B. No, mortgage terminates the co-ownership entirely.
• C. Yes, it severs and creates tenancy in common with equal shares.
• D. Yes, it terminates the other co-ownership but leaves the mortgage intact.

Answer: (C)