Which of the following is NOT an obligation of a mortgagor until discharge?

The choice indicating that a mortgagor can sell the property freely until discharge is correct because, while a mortgagor typically retains ownership rights and can sell the property, such a sale is subject to the terms of the mortgage agreement. Generally, a mortgage includes stipulations that can restrict the mortgagor's ability to sell without the lender's consent, as the mortgage serves as a lien on the property.

In contrast, the obligations to keep the property in good condition, not create rights in-rem without permission, and not gift the property without final approval are commonly imposed on the mortgagor. Maintaining the property ensures that its value is preserved while it serves as collateral for the loan. Creating rights in-rem without the lender’s authorization could jeopardize the lender's security interest. Likewise, gifting the property without approval typically violates the terms of most mortgage agreements, as it could remove the security (the property) from the lender's claim.

In this context, the mortgagor's ability to freely sell the property is contingent upon the lender's approval, making this the appropriate response.