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On a practical level, it defeats whatever incentive structure we’ve attempted to build into the loan process. Whereas home loans are secured by houses as collateral, debtors can’t exactly take your.
It is therefore self-authenticated under Texas Rule of Evidence 902(4). See Murphy v. Countrywide Home Loans, Inc., 199 S.W.3d 441, 446 (Tex. app.-houston [1st dist.] 2006, pet. denied) (copies of.
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