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There is no simple dividing line that is useful in every state, or even in every case. Often, determining whether a party has a legitimate lien right depends home mortgage rate refinancing examining other cases that have either upheld or rejected lien claims in the same state. ``This could have incredible home mortgage rate refinancing for the real estate market,'' said Robert Aalberts, a business-law professor at the University of Nevada-Las Vegas. ``You will see people in involuntary servitude for years, trying to pay off their real estate debts.'' The Californians most obviously at risk are homeowners who have refinanced to patch up faltering finances or, worse, to forestall a foreclosure. Also at risk are hordes of recent home buyers who stretched to buy homes using interest-only loans, ``option ARMs'' and other exotic mortgages home mortgage rate refinancing they would like to refinance before low initial monthly payments vault higher. Even the affluent home mortgage rate refinancing vulnerable if they lack enough insurance to cover their losses if their homes were severely damaged by an earthquake, mudslide or other natural disaster -- and they try to hand the keys back to the lender. As things now stand, lenders rarely seek judicial foreclosures in cases involving
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