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After a dispute over land, financing, use, or transfer reaches court, one party asks for enforcement of a claimed property right. A homeowner defaulted after granting a mortgage, transferred title before foreclosure, and left a junior lender and senior lender disputing priority and sale proceeds. The parties disagree about the legal effect of those facts. Which answer gives the best resolution?

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The court should resolve the dispute by applying the operative rule to the material facts: Mortgage disputes turn on note and mortgage obligations, priority, recording, foreclosure, redemption, deficiency, transfer, and lien theory consequences. Stop the analysis once the proponent states a plausible rule, without addressing the strongest counterargument. Treat the formal label attached to the claim or defense as conclusive and disregard facts bearing on the rule's elements. Reject the claim or defense solely because the opposing party disputes a required fact.

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