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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

Florida is known by many for its beaches. But in politics, it sometimes is known for being the butt of a joke. With many counties in Florida reporting record number of vote-by-mail requests, some are wondering will more controversy emerge in 2020? Tuesday's primary may provide clues. TUESDAY'S PRIMARYWhile Tuesday's primary does not involve presidential politics in Florida, a number of races impacting the state legislature, Congress and local governments are taking place. HISTORY OF ISSUESFlorida's issues with elections goes all the way back to 1876. The presidential election was still undecided with Florida being unsure how to award its 4 Electoral College votes. Florida wasn't alone. South Carolina and Louisiana were also unsure. As a result, Congress had to step in and resolve the issue with Rutherford B. Hayes eventually becoming President. Most Americans know Florida because of the issues in 2000. With another presidential election hanging in the balance, Al Gore and George W. Bush battled for votes during a 36-day recount. Palm Beach County's butterfly ballot, with confusing placement of names for some voters, likely resulted in 2,800 votes for Pat Buchanan instead of Gore. "Hanging Chads" in the state became a household phrase nationwide to describe ballots with paper fragments still hanging from them. Ballots that year were hole punch style for many voters. Like in 2000 and 2016, Florida has long been an important state for nominees to win. It has helped choose the winning presidential candidate every election since 1992.RECENT ISSUESIssues in Florida's Elections have continued in recent years. In Broward County, nearly 1,000 uncounted ballots were found in a warehouse in 2012. In 2018, 22 ballots were counted that were supposed to be rejected. THIS YEARElection officials have recommitted themselves to making sure Florida controversy is limited this year. However, time will tell. Stay tuned. 1941

For those wondering, yes, it is league-wide: fans at NFL games this season will be required to wear face coverings pic.twitter.com/D139KGKQ4r— Brian McCarthy (@NFLprguy) July 22, 2020 191

FREMONT COUNTY, Idaho — Chad Daybell has pleaded not guilty after investigators say they found the remains of two missing children on his property.According to court documents obtained by KSTU on Monday, Daybell entered a not-guilty plea on Friday. The action, filed in the Fremont County court system, also included a request for a jury trial and pre-trial process.Daybell was charged with two felony counts of destruction or concealment of evidence last week after police say they found the remains of Joshua "J.J." Vallow and Tylee Ryan buried on his property in Salem, Idaho.He remains in jail on a million bond.Daybell married the two kids' mother, Lori Vallow, after they went missing in September and after his wife Tammy Daybell died in October. Vallow is also being held in jail on a million bond. She is charged desertion and nonsupport of her children.This story was originally published by Spencer Burt at KSTU. 937

French President Emmanuel Macron tested positive for COVID-19 on Thursday, according to CNN and the Associated Press.Macron's office confirmed Thursday that the 42-year-old Macron received a test after experiencing symptoms of the virus, which later came back positive.Macron will isolate himself for seven days but will continue to carry out his duties as president remotely.Macron's wife, Brigitte, 67, has no symptoms but will also self-isolate. She tested negative for the virus on Thursday, according to the Associated Press.According to CNN, Macron has met with several other world leaders in recent days, many of whom have now said they plan to isolate. Among them is Spanish Prime Minister Pedro Sanchez and European Council President Charles Michel. French Prime Minister Jean Castex is also self-isolating.The Associated Press also reports that Macron met with the prime minister of Portugal on Wednesday.Macron's planned trip to Lebanon next week has been canceled.Macron is just the latest world leader to test positive for the virus. President Donald Trump contracted the virus in October, which resulted in a short stay in the hospital. Several other top White House officials also contracted the virus.British Prime Minister Boris Johnson contracted the virus this spring and spent a week in the hospital — a stay that included three nights in the intensive care unit. 1391