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rate was 1.09. In other words, one-half of those borrowers who paid off their original loan and took out a new one had an interest rate on their old loan that was at least nine percent higher than 1st choice mortgage new interest rate. Years of historically low interest rates have enabled Californians to save 1st choice mortgage 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 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 and brokerage accounts, unrelated 1st choice mortgage estate holdings and other assets to