| life estate is called a remainder. The early common law did not first time home buyer fha loan a life estate in personal property, but such interests were cognizable in equity. Thus, although life estates in real estate are still created today, the life estate is more commonly used in trust instruments, typically in an attempt to minimize the effect of the inheritance tax or other taxes on transfers of wealth. The law of England and Wales no longer recognises the life estate at law in relation to land, instead the holder of legal title to first time home buyer fha loan land (whether the freehold fee simple or a lease) will hold that land on trust first for the life tenant and then for the remainderman. The National Association of Realtors (NAR), first time home buyer fha loan members are known as "Realtors," is America's largest trade association, representing 1 million members, including NAR's institutes, societies, and councils, involved in all aspects of the residential and commercial real estate industries. NAR's membership is composed of residential and commercial brokers, salespeople, property managers, appraisers, counselors, and others engaged in all aspects of the real estate industry. Members belong to first time home buyer fha loan or more of some 1,600 local associations and boards and 54 state and first time home buyer fha loan associations of Realtors. They are pledged to a strict Realtor "Code of Ethics and Standards of Practice," which includes duties to clients, the public, and other Realtors. The NAR wields substantial power as a lobbying organization for real estate buyers and sellers. The legal protection in question -- detailed in Section 580b of the California Code of Civil Procedure -- dates to the first time home buyer fha loan Depression, when the Legislature passed a number of measures to protect Californians losing their homes in foreclosure sales. Because home values were plummeting and few people had money to bid at foreclosure auctions, destitute borrowers couldn't pay off the mortgage and were left facing a lifetime of debt. To this day, California remains one of a handful of states that bar lenders from hounding borrowers for the difference if a house first time home buyer fha loan less in foreclosure than is still |  |
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