A lender that makes a loan backed by FHA insurance (insurance issued by the Federal Housing Administration to protect lenders) or a VA guarantee (insurance issued by the Department of Veterans Affairs to protect lenders) must follow the entity’s guidelines. Government backed mortgages are covered later.
When the loan is repaid, the lien is released. As a practical matter, it comes down to this, if you make your payments, you will eventually have ownership of your home free and clear. If you fail to make your payments, you will lose your home through foreclosure.