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☆ See How Biden Lost Support in the Polls Before He Dropped Out
▼ + stars: | 2024-07-23 | by ( Albert Sun | ) www.nytimes.com time to read: +3 min

See How Biden Lost Support in the Polls Before He Dropped OutPresident Biden ended his re-election campaign on Sunday after a post-debate slump in national and swing-state polls. Note: Times polling averages for the Biden vs. Trump matchup are archived here. The New York TimesMr. Biden fell again in the polls after a gunman’s attempted assassination of Mr. Trump at a Pennsylvania rally on July 13. Polls and the Electoral CollegeBoth Mr. Biden and Mr. Trump had states they could count on in November, but they needed to get to 270 electoral votes. By The New York TimesMight the polls have been wrong, or have underestimated support for Mr. Biden?

Persons: Biden, Donald J, Mr, Trump, Kamala Harris Organizations: Biden, Trump, New York Times, The New York Times, Democratic, Electoral, Mr, Nev, Times Locations: Michigan , Pennsylvania, Wisconsin, Wisconsin , Pennsylvania, Michigan, Wis, Pa, Mich, N.C

You can get down payment assistance through CHFA's Down Payment Assistance Program or the Time To Own program. VermontThe Vermont Housing Finance Agency offers mortgages, down payment assistance, a first generation homebuyer program, and a mortgage credit certificate. NebraskaThe Nebraska Investment Finance Authority is another state housing finance agency that offers programs for first-time and repeat buyers alike. State first-time homebuyer programs FAQsHow do first-time homebuyer programs differ by state? You may be able to combine multiple forms of state-backed first-time homebuyer assistance, or get state assistance in addition to other, unrelated programs.

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Determining your budgetYou can figure out how much house you can afford to buy using our free mortgage calculator. While you may already have an idea of what you think you can afford, you'll need to find out how the bank sees you. It will include a list of all of your finalized closing costs and how much cash you'll need to close. The final walkthroughBefore closing, you'll also get a chance to view the home one more time. How to buy a house FAQsHow much down payment do I need to buy a house?

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Kid's savings accounts are a great way to teach your kids how to budget, create savings goals, and start building up their savings. Best Kids Savings Account ReviewsThe best savings accounts for kids offer good monitoring features, educational resources, and low monthly fees. Key Benefits of a Kids' Savings AccountThe key benefit of getting a kid's savings account is that you can grow your child's savings in a relatively accessible and safe way. Features to Look for in a Kids' Savings AccountHigh Interest Rates on Kid's BankingFor the most part, kid's savings accounts are interest-earning accounts. How to Open a Savings Account for Your ChildChildren's Savings Account Eligibility RequirementsA kid cannot open a savings account on their own.

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Best Banks in North Carolina FAQsWhat is the most popular bank in North Carolina? There are 35 state-chartered banks in North Carolina, according to the North Carolina Commissioner of Banks. North Carolina Bank ReviewsThe best North Carolina banks and credit unions will offer strong interest rates, good perks, and accessibility to North Carolina residents. Here are the best North Carolina banks as picked by Business Insider editors in 2024. We reviewed the 10 biggest banks and credit unions in the state and financial institutions included in our Black-owned banks and credit unions guide and Hispanic American-owned banks and credit unions guide.

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up to 4.60% Minimum Opening Deposit $0 Bonus up to $300 Pros Check mark icon A check mark. Easy to save for various goalsCheck mark icon A check mark. A savings account with buckets can be a great tool for growing savings goals. Many banks offer savings accounts with buckets; some of our favorites are Ally Bank's Ally Savings Account, Betterment's Betterment Cash Reserve Account, and Capital One 360's Capital One 360 Performance Savings. Savings buckets work by dividing your savings account into different categories that you can label, letting you easily save up for individual savings goals.

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Can a non-U.S. citizen get a mortgage loan? Challenges non-U.S. citizens may faceThough it's possible to get a mortgage as a non-U.S. citizen, that doesn't mean it will be easy. Buying a home as a non-U.S. citizen FAQsCan non-U.S. citizens get a mortgage loan? Yes, non-U.S. citizens can get a mortgage loan if they meet the lender's eligibility requirements and they provide necessary documentation. Eligibility for non-U.S. citizen mortgage loans is usually based on legal residency status, credit history, income verification, and down payment.

Persons: homebuyers, Nora Aguirre, she's, they've, Aguirre, — Organizations: Migration Policy Institute, Taxation, National Association of Hispanic Real Estate Professionals, USDA, ., Internal Revenue Service, Social, Chevron Locations: U.S, Nevada, Chevron

To show proof of disability income, you'll need to provide some verification that you're currently receiving benefits and that they aren't set to expire within the next three years. Benefits of home loans for disabled individualsMany loan programs allow you to use disability income to qualify. Disabled individuals can use FHA loans, VA loans, USDA loans, and special programs from Fannie Mae and Freddie Mac. Yes, disability income is considered as part of your total income, which can help qualify for various home loan options. What are the benefits of FHA loans for disabled individuals?

Persons: Fannie Mae HomeReady, Freddie Mac, Fannie Mae, you'll, Brian Quigley, Quigley, you've Organizations: Federal Housing Administration, US Department of Agriculture, Social Security Disability Insurance, Social Security Administration, SSI, SSA, Department of Veterans Affairs, Beacon Lending, USDA, Social Security, Chevron Locations: Chevron

You can find foreclosed properties for sale on online listing sites or in your local newspaper. Often, you can browse foreclosed properties in your area using the same methods you would to buy a regular home, such as online listing sites like Zillow. Foreclosed properties owned by the government-sponsored enterprises Fannie Mae and Freddie Mac can also be found online. Fannie Mae's program for Fannie-owned foreclosed properties is called HomePath, while Freddie Mac's is called HomeSteps. Just be prepared for repair costs, as many foreclosed properties need significant updates before they're habitable.

Persons: they're, they'd, Fannie Mae, Freddie Mac, Fannie Mae's, Freddie Mac's, you'd, Kofi Nartey, it's Organizations: Fannie, HUD, REO Locations: Chevron

Before saving for a down payment, calculate how much you'll need and set a deadline. Exploring down payment assistance programsDown payment assistance programs can help cover part or all of your down payment. Saving windfalls and bonusesWindfalls — or sudden influxes of cash — are a great way to pad your down payment savings. Not having a clear savings planDepositing a few bucks here and there isn't going to make much of an impact on your down payment savings. Yes, high-yield savings accounts, CDs, and investment accounts can be excellent tools for saving your down payment, especially if you have a longer time horizon.

Persons: You'll, you'll, windfalls, Windfalls Organizations: Netflix, Spotify, Federal Deposit Insurance Corp, PMI Locations: homebuyers, Chevron

Fees no monthly service fee Annual Percentage Yield (APY) 0.25% Minimum Opening Deposit $25 Pros Check mark icon A check mark. up to $500 Pros Check mark icon A check mark. Fees no fees Annual Percentage Yield (APY) 5.10% Minimum Opening Deposit $0 Bonus N/A Pros Check mark icon A check mark. Fees no monthly service fee Annual Percentage Yield (APY) 0.45% Minimum Opening Deposit $0 Pros Check mark icon A check mark. Fees no monthly service fee Annual Percentage Yield (APY) 4.65% Minimum Opening Deposit $100 Pros Check mark icon A check mark.

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Social Security income is viewed the same as any other type of income, with one exception that can work in recipients' favor. Age and Social Security incomeYour age and how much Social Security income that allows you to take in will make a difference, too. To get this information to share with your lender, you can request a Social Security Benefit Verification letter from the Social Security Administration's website. Getting a mortgage on Social Security FAQsWhat types of home loans are available for seniors on social security? Lenders consider Social Security income as part of your total income, which can help qualify for various home loan options.

Persons: you'll, Shashank Shekhar, Shekhar Organizations: Social Security, Social, Department of Housing, Urban Development, Department of Veterans Affairs, DTI, Security, Chevron Locations: Chevron

☆ Sen. Joe Manchin calls on Biden to drop out of presidential race
▼ + stars: | 2024-07-21 | by ( Rebecca Picciotto | ) www.cnbc.com time to read: +2 min

Sen. Joe Manchin, D-W.Va., is seen in the U.S. Capitol on Wednesday, September 6, 2023. Independent Sen. Joe Manchin on Sunday called on President Joe Biden to exit the race against former President Donald Trump. Along with Manchin, 36 Democratic lawmakers, including four senators, have called on Biden to exit the race and allow a new nominee to take the helm of the ticket. Over the past week, Manchin had been hinting at his slipping support for Biden as the presumptive Democratic nominee. Throughout the Biden administration, Manchin has positioned himself as a conservative Democrat, sometimes opposing large parts of the president's agenda.

Persons: Sen, Joe Manchin, Independent Sen, Joe Biden, Donald Trump, Josh Shapiro, Andy Beshear, Kamala Harris, Biden, Manchin, Trump Organizations: U.S, Capitol, Independent, West, Kentucky Gov, Trump, Democratic, Biden, Democratic Party, Senate, Democrat, White Locations: West Virginia, Pennsylvania, Manchin

As long as inflation continues to slow, mortgage rates should tick down further throughout the remainder of 2024. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 15-Year Fixed Mortgage Rates Barely Tick Up (+0.02%)The average 15-year mortgage rate is 5.68%, just two basis points higher than last week. Mortgage Refinance Rates30-Year Fixed Refinance Rates Fall (-0.37%)The average 30-year refinance rate is 7.08%, 37 basis points down from last week. Mortgage rates also rose dramatically in 2023, though they started trending back down toward the end of the year.

Persons: you'll, It's, refinance, they've Organizations: Federal, Zillow, FHA Locations: Chevron

Here are the best mortgage lenders for first-time homebuyers and the affordable loans they offer, as chosen by Business Insider editors in 2024. If you're a Bank of America Preferred Rewards customer, you can get discountsCheck mark icon A check mark. Offers many unique types of mortgagesCheck mark icon A check mark. Low Cost Mortgages come with only $295 in closing costsCheck mark icon A check mark. Mortgage credit certificatesSome HFAs also offer mortgage credit certificates to first-time homebuyers.

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Your mortgage interest rate is based in part on how risky lenders consider you to be as a borrower. Use these strategies for lowering mortgage interest rates. Improving your credit scoreRaising your credit score is one way to get a lower interest rate on your mortgage. The role of credit in mortgage ratesThe impact of credit scores on mortgage rates is significant. Locking in your rateA rate lock lets you cement your interest rate while you finalize your home purchase.

Persons: They'll, they'd, Freddie Mac, —, you'll Organizations: ICE Mortgage Technology, PenFed Credit Union, New, Mortgage, Survey Locations: Portland , Oregon, California

You can also use our guide to the best low credit score mortgage lenders to see which lenders accept borrowers with lower scores. Minimum credit score by mortgage typeConforming mortgage: 620 or higherConforming mortgages, which are the most common type of mortgage, are only available to borrowers with credit scores of 620 or higher. Get copies of your credit reportUnderstanding your credit history is key to understanding what's affecting your credit score. Review your credit report again to see what is impacting your credit score, then take steps to improve it. Getting a mortgage with bad credit frequently asked questionsCan you get a mortgage with a 500 credit score?

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Renovation loan eligibilityTo get a loan for a house renovation, you'll need to meet certain credit requirements. Cash-out refinances or renovation loans rolled into mortgages are typically the best renovation loan programs because they come with the lowest rates. Home renovation loans FAQsAre renovation loans a good idea? Renovation loans, or home improvement loans, can be a good idea for homeowners looking to make both essential and cosmetic changes to their homes. Renovation loans make it relatively convenient to complete upgrades or repairs that can boost your home's value.

Persons: It's, Fannie Mae's, Freddie Mac's, you'll, Douglas Boneparth Organizations: Federal Housing Administration, Bone, reno, Chevron

In America's 20 biggest cities, a 20% down payment ranges from $39,127 in Oklahoma City to $263,392 in San Jose, California. On a $200,000 home, a 3% down payment means you'll need $6,000. FHA mortgage: 3.5%To get an FHA mortgage, you'll need at least a 3.5% down payment. The exact amount you'll pay depends on your down payment and whether you've gotten a VA loan previously. PMI protects lenders on mortgages with high loan-to-value ratios, and it's added to the borrower's monthly mortgage payment.

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TuesdaySeveral Senate candidates and House leaders joined Mr. Trump in the box over the course of Tuesday night. Eric Trump Donald J. Trump Senator J.D. Mr. Trump responded with applause, flanked by Mr. Vance and Representative Steve Scalise of Louisiana, the House majority leader. Walt Nauta, Trump’s valet Vanessa Trump Massad Boulos Ronan Anthony Villency Linda McMahon, business executive Kimberly Guilfoyle Kai Trump Eric Trump Lara Trump Michael Boulos Issac Perlmutter Laura Perlmutter Donald Trump Jr. Usha Vance Donald J. Trump Gov. Vance, Ohio Melania Trump Eric Trump Donald Trump Jr. Photo by Hiroko Masuike/The New York Times

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When you apply for a mortgage loan, lenders will review your finances and check to make sure you meet the requirements of the loan program. The exact requirements you'll need to meet vary by loan type, though. Additional factors affecting mortgage qualificationThe above are the major mortgage loan requirements, but sometimes, other factors can play in as well. Mortgage credit score requirement FAQsWhat is the minimum credit score needed for a mortgage? There's no set amount, but your income should be sufficient to cover your debt payments and the proposed mortgage payment comfortably.

Organizations: Chevron, USDA Locations: AnnualCreditReport.com

☆ I got a 2.75% mortgage rate when most other homebuyers were being quoted 7%. Now I can save more for retirement.
▼ + stars: | 2024-07-18 | by ( Alcynna Lloyd | ) www.businessinsider.com time to read: +6 min

An assumable mortgage allows qualifying buyers to acquire the interest rate, current principal balance, and other conditions of a seller's existing loan. In June, we bought it for $400,000, assuming the seller's mortgage at a 2.75% interest rate with 26 years left on a 30-year fixed-rate loan. The assumable mortgage process was actually straightforwardBefore starting the assumption, we thought it would be very difficult. It seemed that they were trying to steer us away from the assumable mortgage and toward getting a new one. They even offered us a lower interest rate below the current rate, but it was still significantly higher than what I was getting through this assumable process.

Persons: —, Brian Sankey, We've, wouldn't, Sankey, Taryn Root, Brian Koellish, it's Organizations: Service, Business, Veterans United, Loans Locations: Kentucky, Elizabethtown, Fort Knox , Kentucky, Elizabethtown , Kentucky

☆ Opinion | ‘Black Pill’ and the Dark Anarchy of Our Political Moment
▼ + stars: | 2024-07-17 | by ( Jessica Grose | ) www.nytimes.com time to read: +2 min

I found out during a live comedy show that the former president had been shot at. The second comic confirmed what the first one said, and joked that if this had happened in another era, they probably would have canceled the show. But at this point we’re all so primed for political chaos and inured to news of fresh violence that the audience — including me — barely reacted. From the right, that it was the result of a deep-state plot. As Becca Rothfeld put it in a review of “Black Pill” for The Washington Post, “The flotsam of the internet is childish, ridiculous and, consequently, easy to underestimate.

Persons: Donald Trump, —, Corey Comperatore, David Dutch, James Copenhaver, Elle Reeve, ”, Becca Rothfeld, ” Reeve, Trump, Elliott Kline Organizations: Poison Society, The Washington Post Locations: Charlottesville, Va

☆ Chris Christie: Trump’s Enormous Opportunity - The New York Times
▼ + stars: | 2024-07-16 | by ( Chris Christie | ) www.nytimes.com time to read: +1 min

There is no place for political violence in this country. That is the recurring sentiment expressed by elected officials and political leaders since the attempted assassination of Donald Trump. The harsh truth is that there is political violence in this country. Little by little, we have watched as the desire and the resolve of Americans to push back against this violence dissipate and all but disappear. We saw it during the worst excesses of the Black Lives Matter protests.

Persons: Donald Trump Locations: Charlottesville, Va

☆ A US warship's Red Sea battle with the Houthis years ago helped the Navy ready for round two, its captain says
▼ + stars: | 2024-07-15 | by ( Jake Epstein | ) www.businessinsider.com time to read: +5 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Unlike some other ships, the Arleigh Burke-class destroyer battled the Houthis years before they started targeting merchant shipping lanes in what has become a monthslong campaign. The Mason's commanding officer says that earlier fight helped the Navy prepare for its latest clash with the Iran-backed rebels. AdvertisementDuring its exhausting deployment, the Mason intercepted a number of Houthi drones and missiles — including some fired at the destroyer. Though long in various arsenals, these weapons had never seen combat until the Houthis launched them in late 2023.

Persons: —, Mason, Arleigh Burke, Cmdr, Justin Smith, Dwight D, Blake Midnight, Smith, USS Mason, Steve Helber Smith, Marc Miguez, we'll Organizations: Service, US Navy, Houthi, Business, Eisenhower Carrier Strike, Navy, AP, Eisenhower Locations: Iran, Florida, Gulf, Aden, Mandeb, Norfolk , VA

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