It interest me to see that investors in the United State can actually purchase a property with 3.5% downpayment of the property value but this can only happen in my country when hell freezes over.

Terrible weather.. not "mild".. freezing rain/muggy foggy/to warm for nice snow most years/no decent beaches around at the same time no decent mountains around/traffic horrendous.

I had problems with the pipes freezing in my unit, as they were run under the house. 

A judge will freeze the account very quickly.

I think they can take the freezing part better.  

A bank can freeze or call the HELOC if the contract is worded that way.

Jerry Ellis The elderly couple probably not only had a homestead exemption but also a senior freeze that had probably been in effect for sometime.

Last month, or before the temperature dropped below freezing?

You can always appeal your taxes (there is a freeze of 2 to 3 years, not too sure) but then full re-evaluations from a town/city can supercede that.Hope this helps, if you find a property you can call a tax appeal lawyer to gain further insight.

Google appears to be freezing my account again.