When it comes to buying or selling a home, most of us expect a familiar process: offer, contract, closing. But starting December 1, 2025, a new federal regulation could change what's required in certain transactions... and we want you to be informed ahead of time.

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If you're planning to buy a home with less than a 20% down payment, there's a good chance you'll need to pay for Private Mortgage Insurance, or PMI. While it's a common requirement, many buyers don't fully understand what PMI is or how it impacts their monthly payments.

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