"The Massachusetts Supreme Judicial Court issued its opinion in U.S. Bank National Association v. Ibanez Jan. 7, effectively turning back the clock on modern mortgage finance to the 1800s. Rather than acknowledge the clear intention of its own Legislature and join the vast majority of states where "the mortgage follows the note," the court erred by following case law from the 19th century - cases that even then were slipping out of the mainstream law of secured transactions."