| Private Mortgage Insurance |
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| If you purchase a home and make a down payment of less than 20% of the purchase price, you may be required to purchase private mortgage insurance (PMI). In essence, PMI is a fee which provides compensation to the lender in the event the borrower defaults on the mortgage. More... |
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| The Home Mortgage Disclosure Act |
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| In 1975, Congress enacted the Home Mortgage Disclosure Act (HMDA). The statute can be found at 12 U.S.C.S. §2801. More... |
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| Housing Discrimination Against Prospective Tenants |
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| Generally, a landlord is free to rent his or her premises to anyone he or she chooses. The landlord does not have that same freedom if the housing is part of a federally-subsidized complex or the property is privately owned by a landlord who owns more than four units. The landlord can only refuse to rent his premises to a prospective tenant if the landlord has a tangible reason that is non-discriminatory. More... |
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| Bailments |
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| A bailment is created when, coupled with the intent to possess certain property, the bailee accepts the actual physical possession and control of the property. In the example, the bailment is created when the dry cleaner accepts the man's suit with the intent to possess the suit. More... |
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| Fences -- Livestock |
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| Nearly every state and/or locality has a law with regard to fences and livestock. Generally speaking, the laws fall into two categories: open range and closed range. As the matter is governed by state law and local ordinances, the applicable law should be consulted for further details. More... |
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