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could foreclose, so the mortgage loan industry as such either does not exist at all or is only available to members of privileged social classes. countrywide home mortgage customer service 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 is technically a tenancy countrywide home mortgage customer service 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 countrywide home mortgage customer service it may not identify all the defects that a house buyer needs to know about. Also, it does not usually form a contract between the surveyor and the countrywide home mortgage customer service so the buyer has no right to sue if the survey fails to detect a major problem. For an extra fee, the surveyor can usually carry out a countrywide home mortgage customer service survey or a (cheaper) "homebuyers survey" at the same time. Since it ends at death, and the owner of the life estate cannot leave it to his heirs or convey a larger interest in the land than what the countrywide home mortgage customer service actually owns, a life estate is not an estate of inheritance. Life estates are measured either by the life of the owner of the estate, or by the life of some other person; these latter