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Texas Home Loans With No Down Payment How an odd bipartisan alliance in ’90s led to loan debacle – The bad-home. loans to people who couldn’t pay. "Throughout the Clinton administration and ever since, immense pressure has existed on commercial banks to make low-interest, high-risk loans with.

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Is it any easier to get a mortgage now? – Five years ago, when the bottom fell out of the housing market, the mortgage lending industry did an about-face. It changed from an era of easy credit. ability to repay the loan. As a result, fewer.

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A home equity loan is a type of second mortgage.Your first mortgage is the one you used to purchase the property, but you can use additional loans to borrow against the home if you’ve built up enough equity.Using your home to guarantee a loan comes with some risks, however.

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