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stretched to buy homes using interest-only loans, ``option ARMs'' and other exotic mortgages canada exchange rate they would like to refinance before low initial monthly payments vault higher. Even the affluent are vulnerable if they lack enough insurance to cover their losses if their homes were severely damaged by an earthquake, mudslide or other natural disaster -- and they try to hand the keys back canada exchange rate the lender. As things now stand, lenders rarely seek judicial foreclosures in cases involving residential real estate. The obvious practical reason is that lenders typically foreclose as a last resort, and homeowners are broke and have little prospect of every repaying the loan. And thanks to double-digit increases in real estate values, homes generally fetch enough to cover the mortgage anyway. In canada exchange rate lenders are hesitant to seek judicial foreclosures because they're time-consuming,