i AM HAVING TROUBLE WITH PNC MORTGAGE. THEY ARE SAYING I NEED TO SHOW MY CONTRACTOR IS BONDED. IN THE STATE OF TEXAS WE DON'T HAVE TO HAVE A LICENSED CONTRACTOR SO THAT THE LITTLE MAN CAN HAVE THE SAME OPPORTUNITY TO MAKE A LIVING. I EXPLAINED TO THEM THAT I WAS GETTING HOME DEPOT TO PUT IN ALL OF THE FLOORING AND I WILL NEED A PLUMMER FOR THE TWO BATHS. WELL, I HAVE HIRED A FAMILY FRIEND AND HE HAS ALWAYS WORKED ON MY HOME MAKING REPAIRS , REPLACING WINDOWS, SHOWER AND TUB, FIXED AND PAINTED WALLS. HE HAS ALREADY STATED THE JOB. I MADE AN AGREEMENT WITH MR. FALSONE . I DONT KNOW WHAT TO DO. PLEASE HELP ME .