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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 adjustable cap mortgage rate as homeowners retain their original mortgage, a little-known state law prevents lenders from going after more than just the home. Refinancing frees lenders to go after cars, savings adjustable cap mortgage rate brokerage accounts, unrelated real estate holdings and other assets to make up the difference -- even if it takes a decade adjustable cap mortgage rate more to square the debt. The risks are small when home values are zooming as they are today. But 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 adjustable cap mortgage rate court. A mechanics lien is a hold on real property for the


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