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Home buyers who make a down payment of less than 20 percent need to pay private mortgage insurance (PMI), which protects their lenders in case they default on the loan but adds to the. a home with.

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That is the basic challenge of banking-getting people to do business with you rather than the guy down the street whose loans cost a quarter-point less in interest. And yet a dozen community banks in.

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only 10 have completed or have pending construction to their once-flooded homes. Another three are in loan closing and nine more are pending environmental approval by the Texas General Land Office.

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