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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

When the ,200 stimulus payments came out earlier this year, parents were promised an additional 0 for each child they claimed as a dependent. Many low-income families didn’t receive that money, called Economic Impact Payments, because the stimulus checks were based on tax returns.Now, the IRS is trying to fix that, and is asking parents who did not file a 2018 or 2019 tax return to still go to their website and claim a dependent by September 30. The IRS has set up a non-filers tool to help.The non-filers site is designed for those with incomes below about ,400 for couples and ,200 for individuals, and others who are otherwise not required to file a tax return. Those people typically do not file a tax return, and therefore would not have a record with the IRS of any dependent children."Given the extremely high demand for EIP assistance, we have continued to prioritize and increase resource allocations to eligible individuals, including those who may be waiting on some portion of their payment. To help with this, we are allocating additional IRS resources to ensure eligible recipients receive their full payments during this challenging time,” said IRS Commissioner Chuck Rettig.A news release on the IRS’ website also says they will be helping those who may have had part of their payments deducted because of past-due child support. The agency says people do not need to take any action, they are working to resolve those cases where past-due child support was applied. 1505

When she married George H. W. Bush in 1945, Barbara Bush became a vocal defender of her husband, and later his children. After her passing on Tuesday, former Bush rivals joined forces to honor the former first lady. President Donald Trump was among those who had kind words for Barbara Bush on Tuesday, even though she didn't always have nice things to say about him. Bush expressed her displeasure for Trump's comments during the 2016 presidential campaign, when he called Bush's son Jeb, a Republican presidential hopeful, "low energy." 551

While Tuesday's election wasn't quite the "Blue Wave" that Democrats had hoped for, the Democratic Party won a majority of seats in the U.S. House once the new Congress is seated in January. Democrats needed to turn over at least 23 Republican seats for a total of 218 and the party claimed 222 on Tuesday night, according to numbers from CNN.Although Democrats will lose seats in the Senate, taking the House gives Democrats the ability to conduct investigations, which could pose issues for President Donald Trump pending the result of Special Counsel Robert Mueller's investigation. Ushering in a crop of new Democrats into the House, Alexandria Ocasio-Cortez, 29, will become the youngest woman in history to be elected to Congress. She upset New York Democratic Rep. Joe Crowley in the primary election earlier this year. Michigan Democrat Rashida Tlaib and Ilhan Omar, the Minnesota Democratic-Farmer-Labor Party's nominee, were elected on Tuesday as the first Muslim women in the House. Former Tennessee Titans linebacker Colin Allred, a Democrat in Dallas, defeated incumbent Pete Sessions to win his first time as a candidate.  1184

Wisconsin Gov. Tony Evers and the Department of Health Services issued a new order Tuesday limiting the capacity of bars, restaurants and stores in the state to 25% on Tuesday, as Wisconsin becomes a hot spot for COVID-19 in the U.S.Evers directed DHS Secretary-Designee Andrea Palm to issue the order Tuesday afternoon.The order is capping capacity to 25% in public spaces beginning on Thursday. Gatherings in indoor spaces without an occupancy limit are limited to 10 people."We're seeing increased COVID-19 hospitalizations across the state, and every region is reporting current and imminent hospital staffing shortages in one or more of their facilities," Palm said.Wisconsin has become a hot spot for coronavirus cases in the country after schools reopened this fall. The state has tallied record numbers of cases, hospitalizations and deaths in recent days. Areas that have been hit particularly hard include the state's two largest cities — Milwaukee and Madison — as well as smaller cities like Fox Valley, Green Bay and Wausau.The governor's top attorney, Ryan Nilsestuen, says he's confident the restrictions will withstand legal challenges from the GOP-controlled legislature. Evers' "Safer at Home: order issued last March was eventually blocked by the Wisconsin Supreme Court, after the legislature raised objections with a potential overreach of authority by the health department and the governor's office.“At the end of the day, doing orders and having them challenged in court maybe makes for great theater,” Evers said during a press conference Tuesday. “But it frankly does nothing in making sure people are safer in the state of Wisconsin.”The order goes into effect at 8 a.m. local time on Thursday and will remain in effect until Nov. 6. Violators could face forfeitures of up to 0, according to the governor.The order does not apply to outdoor spaces.The DHS tallied 2,020 new cases on Tuesday and 18 new deaths caused by complications from the coronavirus. Wisconsin has recorded 136,379 confirmed cases and 1,399 deaths since the pandemic began.“We’re in a crisis right now and need to immediately change our behavior to save lives,” Evers said in a statement. “We are continuing to experience a surge in cases and many of our hospitals are overwhelmed, and I believe limiting indoor public gatherings will help slow the spread of this virus. Folks, we need your help and we need all Wisconsinites to work together during this difficult time. The sooner we get control of this virus, the sooner our economy, communities, and state can bounce back.”Criticism to the news was swift. State Rep. Shae Sortwell, R-Two Rivers, went after the new orders in a Facebook video."Apparently he’s bound to determine to just completely destroy the hospitality industry in the state of Wisconsin because that’s what he’s looking to do here," Sortwell said.The Wisconsin Manufacturers & Commerce issued a statement in response to the new order."Unfortunately, Gov. Evers’ order will cause even more harm to already-suffering businesses while failing to actually slow the spread of COVID-19 in Wisconsin," the business association said in a statement.The Metropolitan Milwaukee Association of Commerce also released a statement following the new orders."The measures introduced today by Governor Evers are well-intentioned, but are a blunt instrument that knocks down too many business establishments in metro Milwaukee that have gone to great lengths to develop comprehensive operational safety plans and have had them approved by the Milwaukee Public Health Department," the association said.Read the full order below:FULL ORDER.pdf by TODAY'S TMJ4Read the full FAQ below:FAQs.pdf by TODAY'S TMJ4"The Society supports the Department of Health Services’ action to temporarily limit indoor public gatherings because the state simply must halt its current trajectory," the society said. "We want to continue being the state leading the country in high-quality health care, not having one of the highest COVID-19 infection rates in the country.”You can read their full statement below.This story was originally published by Mayra Monroy and Jackson Danbeck on WTMJ in Milwaukee. 4200

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