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For years, the Federal Housing Administration was the king of the low-down-payment mortgage mountain. Now, Fannie Mae and Freddie Mac, the government-sponsored enterprises that provide capital to the mortgage market, are designing loan products for hopeful home buyers with skinny savings accounts.With Fannie Mae’s HomeReady and Freddie Mac’s Home Possible, a 3% down payment — or what lenders refer to as 97% loan-to-value — is available on so-called conventional loans. Conventional loans are the loan products most often issued by lenders. 561

FORT MYERS, Fla. (WFTX)  -- A Florida woman got creative with spare spray paint and plywood and made a sign to get the power company's attention.“I thought that all of my neighbors would get a huge kick out of it,” said Kynse Agles.She posed for a photo next to her pink sign that reads, “Hot single female seeks sexy lineman to electrify her life.”Just days before she posted the sign outside her Fort Myers home, Agles went under the knife for a kidney transplant. “My hurricane story started with a double organ transplant at Tampa General Hospital,” she said.Agles had to stay in air conditioning in order to avoid complications from her procedure. “I found a place to stay that had electricity and have been jumping from bed to couch,” she said.Then a light bulb went off in her head.“I saw a post on Facebook and I thought it was really funny and I can do it better,” she said. “I just thought maybe if a lineman got to my neighborhood they’ll laugh and hook me up first,” she added.Her sign did catch the attention of linemen. After they restored her power, they took a picture behind the sign and left a note.“Big shout-out for everyone who is working to get the power restored, because it’s so hot out there,” she said.She’s just happy not have to ride any more couches.“I haven’t slept in my bed in 20 nights, so I’m really excited to sleep tonight,” she said.Agles might even loan it to some of her other neighbors who are still without power. “My neighbor across the street doesn't have power yet, I told him he can borrow my sign later.” 1578

Florida State University held a vigil Sunday night for the two women fatally shot at a Tallahassee yoga studio Friday as investigators try to establish why the alleged gunman opened fire.Scott Paul Beierle, 40, posed as a customer when he walked into Hot Yoga Tallahassee on Friday evening and fired a handgun without warning, police said.The yoga students fought back, police said, but two women were killed and five people were wounded. The gunman had fatally shot himself by the time officers arrived.Tallahassee yogis as well as the health care and college communities are mourning the victims: Maura Binkley, 21, and Nancy Van Vessem, 61.On Sunday evening, FSU students and faculty came together for a vigil honoring Van Vessem -- a faculty member -- and Binkley, a student.The crowd gathered on Langford Green on Sunday evening and held up battery-powered tea candles that flickered under an overcast sky as a small choir sang, "Hymn to the Garnet and Gold.""Our hearts are broken as we gather to mourn the loss of two members of our Florida State University family and offer prayers for those who were injured and affected by this horrific attack. This hateful and despicable act has affected our community profoundly," Florida State President John Thrasher told those assembled.Authorities say it's not clear why Beierle carried out the attack. Investigators have not discovered any links so far between the gunman and the victims or the yoga studio, Tallahassee Police Chief Michael DeLeo said. 1511

FORT MYERS, Fla. -- Heading to the airport? Pack your worries.  Every day, billions of germs are left all over Southwest Florida International Airport.Biology professor Cliff Renk from Florida Gulf Coast University and student Matt Glass joined us as we took a microscopic look at all the germs we encounter when we fly into and out of the airport. The professor swabbed all sorts of surfaces and using a monitor that counts the number of germs. A reading of 300 on the meter indicates a normal amount of bacteria.One elevator button registered 418. The handles on those luggage carts: a nasty 532.  Escalator handles were about the same but loaded with bacteria colonies. The buttons on the ATM machine in the main concourse were home to almost 80 different colonies of bacteria. But that's just the beginning. If you're flying, everyone needs to go through the security checkpoint.  And the bin you place your phone in -- which you hold to your face -- might be the same one the person before it put his shoes in following a visit to the bathroom. They could carry staph, which can cause pimples, boils and in some cases flesh-eating bacteria. There are about 1000-1500 TSA plastic bins that we place our stuff in when we go through security. We tested the first bin and its handles; it came in came below the normal level. The second tested at more than two times higher.  The third, well that's a different story. Even though the number was 611, Professor Renk says some stomach-churning germ colonies  - more than 300 - were lurking on board, including fecal bacteria and other bacteria generally found on the bottom of shoes. Reps from both the airport and the TSA tell us it's important we remember any public space is a breeding ground for germs and to bring and use hand sanitizer or wipes at all times.  Finally, they say to wash your hands frequently. And speaking of hands we did one last test on reporter Frank Cipolla's hands to show you what any one of us might be lugging around at any moment. He spent all morning at the airport and shook about a dozen hands. Remember, 300 is a normal reading. His right hand registered about 3000.The TSA says it would cost too much money to put hand sanitizer dispensers in every airport in America, so a warning to all travelers. When it comes to germs at the airport, you're on your own.  2416

Football coach Derrick Clark was a convicted drug dealer when he was hired two seasons ago for New Haven Endeavour Middle School in New Haven, Michigan. Now he’s in jail facing serious sex charges.  School Superintendent Todd Robinson talked with Jim Kiertzner, investigator for Scripps station WXYZ in Detroit and said he knew Clark had some criminal past, saying “Not to the extent that you’re sharing with me now.”  Robinson would not say what his understanding of it was. “I don’t want to make any more comment about it at this time.” Robinson also would not answer if he would still hire him if he knew what he knows today.State records show Clark was convicted of drug possession and running a drug house and was on probation from 2009 to 2014. Clark now faces charges of third degree criminal sexual conduct, pandering and racketeering in Macomb County.  Police said Clark reportedly sold his girlfriend for sex with online ads dozens of times over several months and threatened her and kids to go to Child Protective Services.At least one “John,” a man who paid for sex, is cooperating with police.John Wallace, who lives next door to the school says, “That sounds to me like another Nassar case.”Other parents said they are upset.Clark was hired through a contracting firm called EDUStaff in Grand Rapids.  The company president, Clark Galloway, sent us a statement that says criminal background checks and approval are up to school districts and Clark is not the only employee they’ve supplied: 1572