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Refinancing frees lenders to go 1st nationwide mortgage cars, savings and brokerage accounts, unrelated real estate holdings and other assets to make up the difference -- even if it takes a decade or more to square the debt. The risks are small when home values are zooming as they are today. But some 1st nationwide mortgage 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 in court. A mechanics lien is a hold on real property for the 1st nationwide mortgage of someone whose work or property improves the property. It is called by various names, including materialman's lien, supplier's lien, laborer's lien and others. Through "perfecting" a lien, the technical term