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Jones." ], "opinions": [ { "text": "Wood, J.\nThis suit was brought by the building and. loan association to foreclose a mortgage executed by Jones and his wife on certain land. The complaint also set up the right of the appellant to be subrogated to a mortgage of one D. L\u201e Coleman, which a part of the money borrowed from appellant had been used to satisfy. The defense was usury, and the failure of Mrs. Jones to acknowledge the mortgage so as to convey the homestead under the act of March 18, 1887. The trial court held: (1.) That the mortgage was not properly acknowledged in accordance with said act, and was therefore void. (2.) That there was no usury in the contract. (3.) That appellant was not entitled to subrogation. (4.) That appellant was entitled to personal judgment for the amount claimed, and judgment was so rendered.\nWe have carefully considered all the points raised, and find no error in the ruling of the court except in refusing to foreclose the mortgage.\nPeter C. Jones was a married man, and had a large family. At the time of the application for a loan, and the execution of the mortgage, he resided with his family at Mineral Springs, in Howard county, on land which belonged to his wife\u2019s mother, where he had lived for several years. In the application which Jones made to the appellant for the loan he was asked'this question: \u201cIs this property your homestead?\u201d and he answered, \u201cNo.\u201d He also swore to the application, using the following language: \u201cI, Peter C. Jones, the above-named applicant, do solemnly swear that the foregoing statements, facts and answers to the questions are absolutely and unqualifiedly true; * * * that I am the same person who made and subscribed the within and foregoing application for the advance; that I made the statements therein for the purpose of obtaining the advance, and that I fully understand that the advance, if allowed, will be made with reliance on the truth of the statements therein given, and that each and every statement made in the foregoing application is true. I also agree that the above application shall be a part of the contract between myself and the association, and I bind myself, heirs and assigns, to faithfully perform all conditions, agreements and promises contained therein. [Signed and sworn to.]\n\u201cPeter C. Jones.\u201d \u25a0\nThe application was made on the 2d day of January, 1895. The mortgage in suit was executed on the 12th day of March, 1895. The above facts show clearly that Peter C. Jones, the husband and father, before and at the time of the execution of the mortgage, had abandoned his homestead. He was not living on it; and the answer in the application, and his sworn statement, made for the purpose of obtaining the loan, show that he did not claim, nor intend to claim, it as his homestead. While the act of March 18, 1887, is a limitation upon the right of the husband to convey his homestead except by the consent of his wife, it does not in any manner affect or restrict his right of abandonment. This right he has by virtue of his marital and parental authority, and when he has chosen to exercise it, as he did here, he renders the property which had formerly been his homestead the proper subject of alienation without his wife\u2019s concurrence. Thompson on Homestead and Exemptions, \u00a7\u00a7 42, 276, 483; Titman v. Moore, 43 Ill. 169, 174, et seq.; Guiod v. Guiod, 14 Cal. 506; Thoms v. Thoms, 45 Miss. 263, 276; Story, Confl. Laws; Williams v. Swetland, 10 Iowa, 51.\nHe could not be heard after the execution of the mortgage, under the circumstances, to say that he had not abandoned his homestead; and if there was an abandonment by him, his wife is bound by it. In Sidway v. Lawson,58 Ark. 117, we said: \u2018\u2018The husband could abandon the homestead, and it would become liable to his debts, notwithstanding the act of March 18, 1887.\u201d See also Pipkin v. Williams, 57 Ark. 242.\nThe view we have thus taken renders it unnecessary to discuss the other interesting questions upon which we think the court correctly ruled. Reversed, and remanded for further proceedings not inconsistent with this opinion.", "type": "majority", "author": "Wood, J." } ], "attorneys": [ "J. W. House, for appellant.", "W. C. Rodgers, for appellees." ], "corrections": "", "head_matter": "Farmers\u2019 Building & Loan Association v. Jones.\nOpinion delivered March 31, 1900.\nHomestead \u2014 Abandonment.\u2014The owner of land will be deemed to have abandoned it as a homestead when he removed therefrom and made ap- \u2022 plication for and procured a loan thereon by making a written statement that the land was not his homestead. (Page 78.)\nAppeal from Howard Circuit Court in Chancery.\nWill P. Feazel, Judge.\nJ. W. House, for appellant.\nThe wife\u2019s acknowledgment was a substantial, if not a literal, compliance with the statute. 57 Ark. 242, 246. The mortgage carries the wife\u2019s interest in the homestead. 58 Ark. 117, 123. The property was not the homestead of appellee at the time of the execution of the mortgage. The act of March, 18, 1887, does not prevent the husband from abandoning the homestead. 57 Ark. 242, 252. His abandonment and his declarations estop the wife. 35 Mich. 150. Appellant would be entitled to subrogation, even if the mortgage was defectively executed. 39 la. 657; 128 Ind. 293; 58 Tex. 696; 74 Ala. 507; 32 N. J. Eq. 103; 35 Kas. 495; 48 Micb. 238; 49 Micb. 546; 36 Kas. 680; 6 Abb. N. Cas. 469; 3 Nev. 138; 117 Iu