Firstly, a small seborrheic keratosis can be frozen with liquid nitrogen. Liquid nitrogen works by freezing and destroying the cells but leaving the connective tissue foundation intact. The lesion frozen forms a blister as the water is released from the now-dead cells and then crusts over as that water dries.
When borrowers sign the mortgage security instrument at closing, they agree to standard language that grants and conveys legal title of the mortgage to MERS as mortgagee, giving the company the right to act on behalf of the current and subsequent owners of the loan.
Mortgage Electronic Registration Systems, Inc. (#3 1999 version) is the owner of record (or the owner's nominee) of the security interest arising from mortgages extended by lenders, investors and their loan servicers and recorded in county land records.