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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

For the third time in a month, Twitter has taken action against President Donald Trump.After the social networking site labeled a video tweeted by the president as "manipulated media," the platform removed the video citing "a report by the copyright owner.The 60-second clip showed an edited version of a viral video from 2019 where a Black child and a white child run toward each other to hug. Both children then run away in the same direction.The doctored version of the video tweeted by Trump opens with a fake CNN banner and the portion of the video where the black child appears to be running away from the white child."BREAKING NEWS: TERRIFIED TODDLER RUNS AWAY FROM RACIST BABY," the banner reads.A few seconds later, the doctored video shows the children hugging, without the fake CNN banner.The video closes by claiming that "America is not the problem. Fake news is."Twitter added a "manipulated media" tag to Trump's tweet, which linked to more information about the video."In September 2019, CNN reported on a viral video about a friendship between two toddlers," Twitter wrote. "On Thursday, the president shared a version of the video which many journalists confirmed was edited and doctored with a fake CNN chyron."CNN Communications replied to Trump, saying that it covered the viral video as it happened when it happened.White House spokesperson Kayleigh McEnany defended the use of the video. "He was making a point about CNN specifically,” McEnany said. “A point that CNN has regularly taken him out of context."“I think the president was making satirical point that was quite funny if you go and actually watch the video,” McEnany added. “The point was it was a play on CNN repeatedly taking him out of context.”Earlier, this month, Twitter hid one of Trump's tweets from his timeline, as the company said the tweet violated terms for "inciting violence." In the tweet, Trump implied he would encourage the National Guard to shoot anyone looting during protests against police brutality.About a week later, Twitter flagged one of Trump's tweets deriding mail-in-voting because it contained misleading information. 2141

For 9-year-old Joey DeLeon, staying on track can be hard. His mom, JoAnn Lopez, would have to tell him several times to brush his teeth or use his puffer. So, when she heard about The Attention Arcade, a new game system that helps kids focus, she was immediately interested."I figured if it was something we could try and it would work and we could help other kids,” said Lopez. “If it does work, why not do it?”DeLeon is part of a beta test group for Brain Leap Technologies, the company that created the game system. The game comes with a black bar that attaches to your PC. It tracks the child’s eye movements and allows the child to control the game with his or her eyes."The eye movement system and the attention system share neurocircuitry," said Bran Leap Technologies CEO Jeff Coleman. "We are leveraging the eye-movement system. It’s really hard to pin down the attention system, but we leverage the fact that they’re connected to train attention through eye movements."In a new study done at the University of California San Diego that's backed by the National Institutes of Health, Coleman says they saw on average of 55 percent improvement in inhibitory control. That’s the skill you need to not get distracted.And it’s working for DeLeon."I’m good at task initiation, especially when I write things down," said DeLeon. "When my brothers and sister are playing, and they're loud, there's a 50/50 chance I don't get distracted by them.”"He’s gotten better at being independent and just doing it on his own without being asked multiple times. I mean, he still has days where it’s just days, but overall much improved," said Lopez.With DeLeon and his two brothers and sister doing virtual learning this school year, Lopez hopes this helps him focus on his own school work."His grades have been always great when he puts effort in, but he just gets sidetracked a lot, and so hopefully this year, we will see that that has subsided," said Lopez. 1960

Five years since the U.S. Supreme Court made same-sex marriage in this country legal, around 300,000 same-sex couples have wed. The June 26, 2015 ruling added to the day’s significance, which already has a decades-long history in the battle for LGBTQ rights.On June 26, 2003, the highest court in the country overturned a Texas statue making it a crime for two persons of the same sex to engage in certain intimate sexual conduct.In the ruling, Justice Anthony Kennedy wrote “The petitioners are entitled to respect for their private lives. The State cannot demean their existence or control their destiny by making their private sexual conduct a crime. Their right to liberty under the Due Process Clause gives them the full right to engage in their conduct without intervention of the government.”Ten years later, on June 26, 2013, the Supreme Court issued their ruling on United States v. Windsor, stating that a key part of the Defense of Marriage Act was unconstitutional.In that ruling, Justice Kennedy wrote, “DOMA (Defense of Marriage Act) instructs all federal officials, and indeed all persons with whom same-sex couples interact, including their own children, that their marriage is less worthy than the marriages of others.”In 2013, 12 states and the District of Columbia recognized same-sex marriages. Just two years later, that number was at 37 states and the District of Columbia. Then on June 26, 2015, same-sex marriage became legal across the country in Obergefell v. Hodges.“The Constitution promises liberty to all within its reach, a liberty that includes certain specific rights that allow persons, within a lawful realm, to define and express their identity. The petitioners in these cases seek to find that liberty by marrying someone of the same sex and having their marriages deemed lawful on the same terms and conditions as marriages between persons of the opposite sex,” the ruling states.Articles written at the time of the ruling wondered if June 26 would become a national holiday to mark the significance of the decisions on this day.In 2017, on June 26, the Supreme Court ruled same-sex couples should both be listed on birth certificates in Pavan v Smith. Arkansas at the time said only biological parents could be listed on birth certificates.Already in 2020, the justices have ruled that a bar on sex discrimination in the workplace extends to gay, lesbian and transgender workers. 2426

For the first time since the Camp Fire started its deadly rampage 11 days ago, firefighters will get a big assist from rain.The 4 to 6 inches expected later this week will help suppress an inferno that has already killed at least 77 people. It'll also finally improve the heavily polluted and unhealthy air smothering Northern California.But there's a catch: With more than 150,000 acres of newly scorched earth, there's little vegetation to soak up the rain.That means the region is now at risk of mudslides, which could be especially dangerous for firefighters battling the inferno."They're having to fight this fire right now in the mountainous areas -- the ravines, the canyons, very steep, rugged terrain," said Scott McLean, deputy chief for Cal Fire -- the state's forestry and fire protection agency."They're back there on dirt roads, dirt trails, trying to fight this fire. Now it's going to turn into mud, which will be another hazard for them to contend with."Along with mudslides comes the risk of debris flow gushing from the Camp Fire's charred rubble."Recently burned areas could see ash flow ... and even have the potential for debris flow if rain intensity is high enough," the National Weather Service's Sacramento office said.Since the Camp Fire broke out November 8, it's destroyed more than 10,500 homes and torched an area the size of Chicago.Even worse: Fire officials predict the Camp Fire is only halfway done burning. According to Cal Fire, the blaze might not be fully contained until November 30.  1538

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