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When exploring mortgage options, it’s likely you’ll hear about Federal Housing Administration and conventional loans. Let’s see, FHA loans are for first-time home buyers and conventional mortgages are for more established buyers — is that it?Not necessarily.Actually, the differences between FHA loans and conventional mortgages have narrowed in the past few years. Since 1934, loans guaranteed by the FHAn have been a go-to option for first-time home buyers because they feature low down payments and relaxed credit requirements.But conventional loans — which are not insured by a government agency like the FHA, the Department of Veterans Affairs or the U.S. Department of Agriculture — have gotten more competitive lately.Both types of loans have their advantages. Here are the factors to consider when deciding between an FHA and a conventional mortgage. 886

While Congress takes its time, major brands are stepping up to help small businesses.“That grant helped us tremendously to kind of keep everybody, give everybody a level of comfort that the company was on a solid financial footing, at least for a couple of months,” said Rohan Freeman, owner of 7 Summits Construction.Freeman owns a small construction company in Hartford, Connecticut, which received a ,000 dollar grant from Lowe’s that kept them from having to lay people off.Monday, Lowe’s opened its grant application process for small businesses, again. It runs through Sunday. Lowe’s says it will give million in grants.“We're seeing the impact that, you know, us having the ability to stay afloat and stay in business, having the community and now some of our nonprofits and some of our smaller clients are moving forward with their projects,” said Freeman.“As soon as we get to 2021, the pandemic doesn't go away and small businesses don't pick up from where they left. We need to continue to support them and ensure their future viability online,” said Liz Austin with eBay.eBay has helped small businesses during the pandemic by giving another 0,000 to 50 small businesses in grants.You can apply for a grant from eBay through December 11. Click here to learn more.eBay is also featuring small businesses on their holiday marketplace Pinterest and Instagram accounts. 1395

White House chief of staff John Kelly announced at a senior staff meeting Monday that President Donald Trump asked him to stay on as chief of staff until at least 2020 -- and that he agreed -- three White House officials confirmed to CNN.The news came after Kelly marked his first anniversary as chief of staff amid a swirl of rumors about his potentially imminent departure. The Wall Street Journal first reported news of Kelly's plans.Kelly has seen his status as chief of staff diminished in recent months, with the President circumventing many of the policies and protocols the retired Marine Corps general put in place when he entered the West Wing last year.In the two weeks leading up to Trump's disruptive swing through Europe, senior aides predicted that Kelly had days or hours left. Those same aides now think the ensuing chaos of the trip may have helped Kelly hang on a little longer.The-CNN-Wire 917

Wildfires have killed one person and forced the evacuation of four towns in Oklahoma, authorities said.The state chief medical examiner's office reported a 61-year-old man died Thursday in Roger MIlls County as a result of injuries sustained in a fire that began southeast of Leedey, the Oklahoma Department of Emergency Management said.A 54-year-old hunter reported missing in the large Dewey County fire was found alive, Oklahoma Forestry Services Fire Chief Scott Huff said. The man was flown to an area hospital Friday, but his condition was unknown. 562

When the Enrique Rebsamen School fell, it did not do so lightly. The 7.1-magnitude earthquake that jolted the region on Tuesday caused part of the building to fold in on itself, sandwiching and collapsing, classroom onto classroom.In the destruction, rescuers found the bodies of 21 schoolchildren and four adults. Now, the community is waiting for word on the dozens more still missing.But waiting isn't enough. 420

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