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took out a new one had an interest rate on their old loan that was at chase mortgage rate nine percent higher than the new interest rate. Years of historically low interest rates have enabled Californians to save millions of dollars by refinancing their mortgages. But what few homeowners realize is that refinancing exposes them to greater losses if lenders foreclose on their property. As long as homeowners retain their chase mortgage rate mortgage, a little-known state law prevents lenders from going after more than just the home. Refinancing frees lenders to go after cars, savings and brokerage accounts, unrelated real estate holdings and other assets to make up the difference -- even if it takes a decade or more to square the debt. The risks are small when home values chase mortgage rate zooming as they are today. chase mortgage rate some experts warn that could change if the state's housing market stumbles or if there is a major natural disaster, such as an earthquake. Lenders also will get more leverage starting today because sweeping changes to federal bankruptcy laws make it much harder for Americans to wipe out debts in court. A mechanics lien is a hold on real property for the benefit of chase mortgage rate whose work or property improves the property. It is called by various names, including materialman's lien, supplier's lien, laborer's lien and others. Through "perfecting" a lien, the technical term for establishing a mechanics lien, the owner's title to the property suffers an interference that will have to be chase mortgage rate before the owner can restore clear title. Generally, a lien would only arise if