Judgment and modified judgment unanimously modified, on the law, and, as modified, affirmed, without costs, in accordance with the following memorandum:
The parties were married in 1972 and thereafter occupied a residence owned by defendant. Desiring to make improvements on the house, the parties in 1978 obtained a bank mortgage loan in the amount of $32,000. In order to obtain this mortgage, the bank required that title to the property be in the names of both borrowers...
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