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Point Mortgage offers a traditional subprime product more competitive in many niches than other lenders out there. In addition, private mortgage insurance expands homeownership opportunities by enabling borrowers to purchase homes with downpayments of less than 20 percent. And I can tell you, that where I lived didn't make that big a difference in my personal life, other than the cost and associated hassles of living, which were a lot greater in DC and SF than elsewhere.
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