Are all the dead pledges contracts voided?

could somebody please explain to me why on a mortgage loan the all cap first,middle, and last name is the one that that you the living person wetink signs to finds the loan And if you default on the loan then the bank can take your property. But,   the all capital last name ,first ,and middle according to the IRS shows to be the true owner because that’s who pays the taxes on the land. so are all these mortggage contracts legal because the person that signed the contract is not even the owner which is your FIRST middle and last could someone please explain this to me?