The point being essentially the Mortgagee should be allowed to survive frozen but attached if the Borrower is going to work through a plan.  

See it just means you can make more offers and not deal with frozen locks on houses, lol

Check with your REIA, boiler is a different story,and hard to say, have the pipes frozen?

But it's not only the kids; grandma and grandpa, mom and dad are also earning squat on their savings so they can't help with the downpayment either.And then there's the 56% of existing starter homeowners with a mortgage who can't afford to sell their house and net enough to buy another of the same price let alone move up (http://ashworthpartners.com/46-of-us-homeowners-with-a-mortgage-are-frozen-and-cant-afford-to-move/ ) making it difficult for those who do accumulate a down payment to find a starter home they can afford.Now the NAR and their resi real estate agents, the MBA and their home mortgage bankers, the NAHB and their home builders are all saying it's just a phase and everything will go back to the 1950s just as soon as Ward & June Cleaver get their new TV show but they underestimate the power of recency bias and demographics combined.Add on the need to stay mobile for job opportunities and it will be much longer before owning a mass produced suburban sfr is the American dream again.

@Scott Trench Luckily, in Denver, frozen pipes are not a CONSTANT worry. 

You could drive the railroad ties into the ground with pieces of rebar (if the ground isn't frozen too solid).

I agree with @Karl EisenhoferI would also try to locate the point where the faucet is frozen and then figure out how to add insulation to prevent this from happening again in the future.

Currently most all pending foreclosures are currently frozen. 

The frozen pipe occurred so the seller will need to repair it.  

Tenant texted late last night saying the back porch where the laundry is had the pipes frozen and burst.