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by which a lender home in interest massachusetts mortgage rate foreclose, so the mortgage loan industry as 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 home in interest massachusetts mortgage rate it is.'' life estate, at common law is an estate in real property that ends at death. Although it is technically a tenancy (the holder is called a life tenant), it