i have a serious question to gauge your mindset..
are you the kind of person that gets a mortgage and thinks the house is yours free and clear?
or are you the person that knows the bank owns the house and as long as you repay the mortgage you are allowed to live in and maintain the house.
neither. false choice- it is not either one.
you have rights to the house and can redeem ownership if you do what you agree in the mortage contract
and you generally do not "GET a mortgage" you have less than you need to buy a p;lace and do a deal to buy it over time. So, you do not generally own it, you are saving to own it.
i learnt that one way early on - then with ex's (multiple) one tries to stay away from owning.