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With a down payment of less than 20%, both FHA and conventional loans require borrowers to pay mortgage insurance premiums. This insurance helps defray the lender’s costs if a loan defaults. 190
When you’re in the process of buying a home, a title research company will check the property’s ownership history. Ideally, your new home has what’s called a “clear title.” That means the current owner, who is selling to you, has a complete ownership stake in the property, without any legal claims against it. Claims can be in the form of a lien or levy from a lender, creditor or — in the event of taxes due — the government. 432
Zarnow and another deputy soon spotted Ibarra, who matched the description of the assailant, near a stretch of train tracks beneath an elevated section of Via de la Valle in Del Mar, a few blocks south of the restaurant, Lt. Greg Rylaarsdam said. When the lawmen called out to him, Ibarra allegedly walked out from behind a concrete bridge support with a knife in his hand and strode toward the deputy closest to him, who lost his footing and fell down while backing away. 472
You may be tempted to post a photo on Instagram when you hit the voting booth, but selfies with your ballot could get you in trouble in some states. There are 18 states that don't allow photographs in polling places or voting booths, or both. Read up on your state's law here. 281
When Kelley filled out the background check paperwork at the store, he checked the box to indicate he didn't have disqualifying criminal history, the official said. He listed an address in Colorado Springs, Colorado, when he bought the rifle, the official said. 261
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