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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 first time, we are hearing from the accused Antioch church shooter. Emanuel Samson is charged with killing one and injuring six others.He's locked up, but makes calls from his cell and all of them are recorded. Nashville-based WTVF obtained an exclusive copy of those recorded calls.They provide a first look at the mindset of an accused murderer.The 25-year-old Samson is being held in the Davidson County Jail. He's said very little to police, but Samson does plenty of talking by phone."This honestly reminds me of our childhood, you know. You're locked in a room or a house. You're locked in a room. You're locked in your house," said Samson in one call, describing jail life.Samson's now spent the past month in the county jail – held without bond – and in this call he seems to be settling in."You know it's about meditating on the fact that I literally can't afford not to be strong. Period. By any means necessary," said Samson.He's made more than 140 calls in the past month, mostly collect to friends and family. It seems he's been warned by his attorney not to talk about his case, though he may at times, speaking in what sounds like his native Sudanese language.However, we did not hear Samson discuss the murder of Melanie Crow Smith or the other felony charges to come. In conversations – especially with a girlfriend – both she and Samson seem oblivious to the seriousness of the charges against him."Please dream about me baby. I dream about you every night," she said. "Aw, baby, we had so many plans for our future. You know?""And we still do. So many plans. Don't say we did because we still do," Samson told her. "I'm trying to keep my mind positive."There were reports that Samson was suicidal in the months before the shooting at Burnette Chapel Church of Christ.In one call, Samson talked about the gunshot wound he suffered to the leg during a scuffle with the church usher. There was a lot of blood. He thought he might die."When that happened? Did you think 'this is it… that I'm leaving,'" asked his girlfriend."Yeah," said Samson."Did it feel good," she asked. "Leaving?""I just think that you… yeah? Um, in a sense. In a way. In terms of pain," said Samson.Investigators have pointed to Samson's troubled past. Samson himself talked about something he called vibrating energies – referring to a depressing childhood."That's how we have these low vibrating energies within us now. The sad. The sorrow. Because we grew up in a very low vibrating household. Always drama," said Samson.Samson also talked about everything from his favorite video games to how a friend was doing in school. Not once do you hear him tell his family or friends he did not commit the crime.The case against Samson is in the hands of the Grand Jury. Federal prosecutors are also still investigating whether this is a hate crime. 2858

Florida Gov. Rick Scott announced a multi-point action plan Friday to make "major changes" to help keep students safe following last week's shooting at Marjory Stoneman Douglas High School.FULL COVERAGE: Parkland school shootingDuring an 11 a.m. news conference, Scott said he wants to use 0 million to improve school safety and mental health.  The governor said he will be working with the state Legislature over the next two weeks regarding the action plan.   522

Former President George H.W. Bush's family intentionally planned a state funeral for him that will avoid criticism of President Donald Trump despite the long-running animosity between the two families, The Washington Post reported Monday night.Trump and Bush's son, Jeb Bush, engaged in a vitriolic primary rivalry during the 2016 campaign, and Trump has mocked and criticized the legacies of both Presidents Bush. A funeral that avoids criticizing Trump would be in contrast to the September memorial for Sen. John McCain, which was marked by implicit references to Trump and his behavior as president.The Post, citing a former administration official, said that the Bush family contacted the White House this past summer to make it clear that the President would be welcome at the funeral and, according to the paper, to "assure him that the focus would be on Bush's life rather than their disagreements."PHOTOS: President George H.W. Bush through the ages 966

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

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