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Home Equity Reform for Texas

As most subprime lenders will explain, risk-based pricing is not necessarily a bad
thing. Subprime lending—the practice of setting a higher price on a loan to a riskier
borrower—has enabled families with a history of problem credit to get homes. Homeownership brings asset growth through equity building, and the vast
majority of these borrowers pay their new mortgage in full and on time

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