Can a mortgage lender make borrower pay full loan amount?

When you borrow money you promise to pay it back. Unless there's a good reason for reducing the amount of the debt you'll have to pay back the entire amount, with interest added on over the period of the loan.

If you gave your friend $20 to help him get a tank of gas and he said he'd pay you back, would you accept $5 as a complete return of your loan? Of course not.

Same thing with a lender.

That is the idea of a mortgage - you borrow the money - then pay it all back with interest. You can be required to pay it all immediately if you sell the property, or default on the loan in any way. Check the terms and conditions - you will discover that you agreed to pay what they demanded when they demand it.

of course. if you are in default (behind on payments), then the loan becomes due in full. However, in some states, if you bring the payments up to date, the the mortgage is reinstated.

Talk with lawyer.

Or if you refinance or sell the property, the old loan is due in full. If you sell for less then the house is worth, you need to come up with the difference.

Can they? Sure. In addition to any number of contingencies that will be laid out in your contract, should you be in violation of other requirements (i.e., not using the home as a primary residence), the loan can be called.

When you take out a mortgage, you sign about a million pages of documents. If one of those documents says you have to die your hair purple, you are obligated to have purple hair.

yes, that's how it usually works with forclosure....you borrow 200K...after 30 years you payback about 357K...on a forclosure bank usually gets back what they loaned...

Your expect to pay back what you borrowed...plus interest. Did you actually think you got free money?