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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

Former Vice President Joe Biden said he hopes Democrats do not impeach President Donald Trump right away if they take control of the House, arguing they should wait until the conclusion of special counsel Robert Mueller's investigation to determine their approach."I hope they don't. I don't think there's a basis for doing that right now," Biden said in an interview with "CBS This Morning" co-host Nora O'Donnell. "I think we should wait until the report comes out."Asked if Mueller should release his report before the midterm elections, Biden said, "I think it should be issued when they finish the investigation. I've been around a long time. You wait until the investigation's finished. You don't put an arbitrary end to it. You wait till it's finished, and let's see what it has to say."While some Democrats, including billionaire donor Tom Steyer, are pushing for impeachment, House Minority Leader Nancy Pelosi, who could become speaker if Democrats win back control, has tried to quiet impeachment speculation."Our priority (is) unifying. Impeachment is a very divisive approach. Elections should determine who is in office," Pelosi told CNN last month. "If the President has broken law, he's not above the law, but that remains to be seen."A CNN poll conducted by SSRS last month found that nearly half of Americans in the poll -- 47% -- said Trump should be impeached and removed from office. That figure was up from a June poll that found 42% said Trump should be removed from office.In the same interview, the former vice president also criticized Trump's handling of the disappearance of Washington Post columnist Jamal Khashoggi, a critic of Saudi Arabia's government, in the Saudi consulate in Istanbul."I'm very worried that the President seems to have a love affair with autocrats," Biden said. "The idea that he's already making excuses before the facts are known ... it's typical but it hurts us internationally."Biden said his doubts about Saudi Crown Prince Mohammed Bin Salman have "been confirmed.""My doubts are that there is very little sense of rule of law, respect for human rights, dignity and you know, the allegations that are made so far -- I don't know yet -- are not inconsistent with the way the kingdom would act," he said.The former vice president argued there should "absolutely positively" be consequences if it is found the crown prince ordered Khashoggi's apparent murder and floated the cancellation of US arms sales to Saudi Arabia as a possible retaliatory measure.Asked to explain Trump's behavior, Biden said, "I don't want to speculate on my worst fears but either he doesn't know what he's doing or he has an absolutely convoluted notion of what allows America to lead the world." 2762

Former Sheriff Joe Arpaio, who served as sheriff of Arizona's Maricopa County’s from 1993 to 2017, filed a libel lawsuit against The New York Times and a member of its editorial board Tuesday evening. Court documents obtained by show Arpaio is suing The Times and Michelle Cottle for the publication of Cottle’s August 2018 op-ed titled, “Well, at Least Sheriff Joe Isn’t Going to Congress - Arpaio’s loss in Arizona’s Senate Republican primary is a fitting end to the public life of a truly sadistic man.” In the opinion piece, Cottle calls Arpaio’s “24-year reign of terror” “medieval in its brutality,” and makes reference to the former Sheriff’s controversial practices, which include the creation of Tent City, the implementation of chain gangs, and forcing prisoners to wear pink underwear. The Times published Cottle’s op-ed after Arpaio was defeated by Martha McSally in the primary race for Jeff Flake's Senate seat.In the complaint, filed with the U.S. District Court for the District of Columbia, Arpaio’s team noted,  “While the Defamatory Article is strategically titled as an opinion piece, it contains several false, defamatory factual assertions concerning Plaintiff Arpaio.”A complaint within the lawsuit states Arpaio plans to run for Senate in 2020. The publication of Cottle's op-ed may prevent a successful run for Arpaio, according to court documents. "Plaintiff Arpaio’s chances and prospects of election to the U.S. Senate in 2020 have been severely harmed by the publication of false and fraudulent facts in the Defamatory Article," the lawsuit notes. "This also harms Plaintiff financially, as his chances of obtaining funding from the Republican establishment and donors for the 2020 election have been damaged by the publication of false and fraudulent representations in the Defamatory Article."Arpaio is seeking 7,500,000 in damages, as well as attorneys’ fees and costs. He is being represented by Larry Klayman, the chairman and general counsel for Freedom Watch, a conservative watchdog group.  2088

Former ESPN president John Skipper says he abruptly resigned from the network late last year because he was being extorted by a cocaine dealer.In an in-depth interview with The Hollywood Report's James Andrew Miller, Skipper recounted his substance abuse issues and the decision to leave the network.Skipper told Miller that he used cocaine intermittently throughout his professional life. He says the habit began before he joined ESPN in 1997, but maintained that his drug use never interfered with his work, outside of "a missed plane and a few canceled morning appointments."Skipper also said he was "unusually clever" in finding ways to buy cocaine so as not to attract attention to himself. That changed in December, when he says someone he had not dealt with before attempted to extort him for purchasing drugs."It turned out I wasn’t careful this time," Skipper told Miller.Skipper immediately informed Disney CEO Bob Iger of the threat."When I discussed it with Bob, he and I agreed that I had placed the company in an untenable position and as a result, I should resign," Skipper told Miller.On Dec. 18, Skipper shocked ESPN employees by announcing his resignation, citing substance abuse issues. He later checked himself into a facility for therapy for his substance abuse.ESPN named Jimmy Pitaro as Skipper's replacement earlier this month.Read The Hollywood Reporter's full interview here.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 1511

Former Democratic National Committee interim chair Donna Brazile, in newly released excerpts of her forthcoming book, alleges that an unethical agreement was signed between Hillary Clinton's 2016 presidential campaign and the DNC to keep the party financially afloat.Bernie Sanders' 2016 campaign also signed its own joint fundraising agreement with the DNC.In excerpts from "Hacks: The Inside Story of the Break-ins and Breakdowns that Put Donald Trump in the White House,"?published in Politico, Brazile writes the DNC was rigged in Clinton's favor because her campaign was largely financing the party early on in the presidential election.Brazile's comments rip a scab off a wound that plagued the Democratic Party during last year's primary and charge the Clinton campaign with impropriety.The Democratic strategist said the agreement "was not illegal, but it sure looked unethical." 900