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Texas’s reluctance to embrace home equity loans is well-known; it was not until 1997 that Texas voted, through a ballot initiative, to amend the Texas Constitution to allow such loans. But, when.
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· For instance, it was the city of Sunnyvale’s low-interest loan that helped assistant city manager Hanson Hom buy a townhouse in 2007. The city’s loan was at 4 percent interest for 45 years.
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