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countries there is no effective means by which a lender could foreclose, so the mortgage loan industry equity home mortgage release such either does not exist at all or is only available to members of privileged social classes. Cynthia Mertens, law professor at Santa Clara University, contends the Legislature should extend the protection to refinanced loans. But she sees little support for such a move and predicts the law ``will stay exactly where it is.'' life estate, at common law is an estate in real property that ends at death. Although it equity home mortgage release technically a equity home mortgage release (the holder is called a life tenant), it is treated the same as a fee simple with respect to the constraints upon its use for the duration of the estate.worth enough to cover the mortgage amount. This is not a full survey so it may

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