Johnson and Tenniel owned Brownacre as joint tenants with the right of survivorship. Johnson executed a mortgage on Brownacre to Lowden in order to secure a loan. Subsequently, but before the indebtedness was paid to Lowden, Johnson died intestate, with Stokes as her only heir at law. The jurisdiction at which Brownacre is located recognizes the title theory of mortgages. In an appropriate action, the court should determine that title to Brownacre is vested
in Tenniel, with the entire interest subject to the mortgage.  in Tenniel, free and clear of the mortgage.  half in Tenniel, free of the mortgage, and half in Stokes, subject to the mortgage.  half in Tenniel and half in Stokes, with both subject to the mortgage