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HOUSTON (AP) – Latinos and African-Americans in five Texas metro areas, including San Antonio, were more likely to be denied a conventional mortgage loan when compared to non-Hispanic whites,

This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper. As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.

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