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of trust equity loan Nelson felt the risk was significant enough that he backed out just before signing the loan paperwork to refinance his home in the 1990s. Although it meant he would pay more credit card consolidation loan interest, he considered it his ``equity insurance policy.'' ``I'm a risk-averse person,'' Nelson said. ``I got to the closing and said, `Pardon me, I'm credit card consolidation loan 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 credit card consolidation loan realty), in contrast with personal property (also sometimes 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 credit card consolidation loan to get their money back. 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 only available to members of privileged credit card consolidation loan classes. Cynthia Mertens, law professor at Santa Clara University, contends the Legislature should
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