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``equity insurance policy.'' ``I'm a risk-averse person,'' Nelson said. first interstate mortgage got to the closing and said, `Pardon me, I'm not going to do it.' '' Real estate is a legal term that encompasses land along with anything permanently affixed to the land, such as buildings. Real estate is often considered synonymous with real property (also sometimes called realty), in contrast with personal property (also first interstate mortgage called chattel or personalty). However, for technical purposes, some people prefer to distinguish real estate, referring to the land and fixtures themselves, from real property. Banks are willing to make such loans at favorable rates in large part because if the borrower does not make payments the lender can foreclose, that is file a court action that lets them take the property and sell it to get their money first interstate mortgage But in many developing countries there is no effective means by which a lender could foreclose, so the mortgage loan industry as such either does not exist at all or is first interstate mortgage available to members of privileged social classes. Cynthia Mertens, law professor at Santa Clara University,