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is useful in every state, or even in every case. Often, determining whether a party has a legitimate lien right depends on examining other cases that have free government loan money upheld or rejected lien claims in the same state. ``This could have incredible implications for the real estate market,'' said Robert Aalberts, a business-law professor at the University of Nevada-Las Vegas. ``You will free government loan money people in involuntary servitude for years, trying to pay off their real estate debts.'' The Californians most obviously at risk are homeowners who have refinanced to patch free government loan money faltering finances or, worse, to forestall a foreclosure. Also at risk are hordes of recent home buyers who stretched to buy homes using interest-only loans, ``option ARMs'' free government loan money other exotic mortgages that 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