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save millions of dollars by refinancing their mortgages. But what few homeowners realize is that refinancing exposes them to greater losses if lenders foreclose on their property. As long as homeowners retain their original mortgage, a little-known antonio cash instant loan san law prevents lenders from going after more than just the home. Refinancing frees antonio cash instant loan san to go after 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 experts warn that could change if the state's housing market stumbles or if there is a major natural disaster, antonio cash instant loan san 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 antonio cash instant loan san benefit 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 for establishing a mechanics lien, the owner's title to the property suffers an interference that will have to be addressed before the owner can restore clear title. Generally, a lien would only arise if there is a payment dispute, antonio cash instant loan san some states (e.g. California) require pre-lien notices at the beginning of a project. Since real property ownership is mostly a function of state law, establishing a mechanics lien is mostly a process governed by state law, in particular a mechanics lien statute. The process antonio cash instant loan san perfecting a mechanics lien varies significantly from state to