troubling question

[James Neff]

Greetings,
As I am sitting here reading posts, something unsettling has occured to me.

I was Planning on creating an LLC, that I would use to manage my 2 rental properties, for the purpose of seperating business from personal. However, I've seen a few mentions of a clause (which I have forgotten the name of already) that basically says my mortages would be due "now" in full if I tried to transfer them into the LLC's name. Am I reading that correctly?
Because I still have mortgages on both my rentals, I would not be able to put them into an LLC without having to pay the banks what I owe them first?
If that is the case, what do I do?
Could I create the LLC, then try to get a business loan, from a bank, for the amount that I owe on both homes and use the rents to pay it off? Is something like that even legal?