Which of the following actions would typically be considered a breach of a mortgage contract under Rhode Island law?

The correct answer pertains to the failure to make mortgage payments or violating other terms of the mortgage agreement. In Rhode Island, as in most jurisdictions, a mortgage contract is a legally binding agreement that lays out specific obligations for the borrower. One of the primary obligations is to make timely mortgage payments as agreed.

When a borrower fails to meet this obligation—whether through missed payments or failure to adhere to any other stipulated terms of the mortgage—they are said to be in breach of the contract. This breach can lead to serious consequences, including foreclosure, where the lender may seek to reclaim the property to satisfy the unpaid debt.

The other actions mentioned do not constitute a breach under typical circumstances. Making extra payments on a loan is generally permitted and can even be beneficial to the borrower by reducing overall interest. Submitting an application for refinancing is a common process that does not inherently breach the mortgage agreement, and improving the property without notifying the lender may not lead to an immediate breach, though it could potentially violate specific terms related to property modifications if those were outlined in the mortgage document.