Who is responsible for giving the lender the mortgage and note?

The correct choice is the mortgagor, who is the borrower in a mortgage transaction. The mortgagor is responsible for providing the lender with the mortgage and the note as part of the borrowing process.

A mortgage is a legal document that pledges property as security for the loan, while the note is a written promise to repay the loan amount. In essence, when the mortgagor enters into a mortgage agreement, they are committing to repay the loan under the terms specified in the note, and they secure that promise with the mortgage.

In this context, the mortgagee is the lender who receives the mortgage and note, rather than providing them. The trustee's role typically involves managing the property in cases of foreclosure, and a fiduciary relates to a broader term about a trusted relationship in financial matters, which doesn't specifically pertain to the transfer of mortgage and note. Thus, the mortgagor is clearly defined as the responsible party for providing these documents to the lender.