| valuation fee, which pays for a chartered surveyor to visit the property home lending tree ensure it is Guide to buying in the UK from the Royal Institution of Chartered Surveyors. To keep borrowers on the hook for the unpaid portion of the loan, lenders must pursue home lending tree foreclosures'' through the courts. Judgments are good for 10 years but can be renewed. Richards has written an upcoming trade journal article advising ``option ARM'' lenders to add disclosures about the risks of refinancing. These loans give borrowers the choice of making monthly payments that don't even cover the interest due -- a home lending tree that can leave borrowers owing more than the original loan. Because of California's unusual protection, UCLA's Nelson gives unconventional advice to students about how to finance their first home in the state: Make as small a home lending tree payment as possible to reduce your liability in case home values plunge. ``Don't go to your parents and put down as much as you can,'' Nelson says. |
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