Treatment must be covered by a minimum 10-year insurance-backed guarantee, which is property specific and transferable to subsequent owners and any mortgagee in possession.
Then, the mortgagee, as judgment creditor, issues a writ of execution against the mortgaged property, instructing the sheriff to levy the execution immediately.
However, in modern times, extinguishing the equity of redemption (and leaving the mortgagee with absolute title to the property) ordinarily requires a court order in most jurisdictions.