| the land (whether the freehold fee simple or a lease) will hold that land first active mortgage trust first for the life tenant and then for the remainderman. The National Association of Realtors (NAR), whose members are known as "Realtors," is America's largest trade association, representing 1 million members, including NAR's institutes, societies, and councils, involved in all aspects of the residential and commercial real estate industries. NAR's membership is composed of residential and commercial brokers, salespeople, property managers, appraisers, counselors, and others engaged first active mortgage all aspects of the real estate industry. Members belong to one or more of some 1,600 local associations and boards and 54 state and territory associations of Realtors. They are pledged to a strict Realtor "Code of Ethics and Standards of first active mortgage which includes duties to clients, the public, and other Realtors. The NAR wields substantial power as a lobbying organization for real estate buyers and sellers. The legal protection in question -- detailed in Section 580b of the California Code of Civil Procedure -- dates to the Great Depression, when first active mortgage Legislature passed a number of measures to protect Californians losing their homes in foreclosure sales. Because home values were plummeting and few first active mortgage had money to bid at foreclosure auctions, destitute borrowers couldn't pay off the mortgage and were left facing a lifetime of debt. To this day, California remains one of a handful of states that bar lenders from hounding borrowers for the difference if a house fetches less in foreclosure than is still owed on the mortgage, what's known as a deficiency. There are some important catches first active mortgage this little-known rule. Foremost, the protection applies only to first active mortgage mortgages used to buy homes. It doesn't apply to refinanced mortgages, which were an alien concept during the Depression. It also depends on how the lender forecloses. Typically, lenders foreclose by essentially filing paperwork with the county recorder and conducting sales |  |
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