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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 anyone who is still deciding whether to spend the Thanksgiving holiday with family and friends, there's an interactive map created by a team of researchers that can help with that decision.The interactive map, created by professors at the Georgia Institute of Technology, shows the likelihood that at least one person would test positive for COVID-19 when gathering with a group of 10 or more people in a given area.The map includes data for every U.S. county and shows the risk for infection using data of recent COVID-19 cases across the country.The data depends on the size and location of the gathering. For example, for a gathering of people in Fayette County, Kentucky, the likelihood that at least one person would test positive for COVID-19 is:28% for a group of 10 people39% for a group of 15 people48% for a group of 20 people56% for a group of 25 people81% for s group of 50 people.Nearly 40% of people say they will likely attend a Thanksgiving gathering with 10 or more people despite the risk of catching COVID-19, according to a recent survey by Ohio State University's Wexner Medical Center.Another survey of parents nationwide found nearly a third say the benefits of gathering with extended family for the holidays are worth the risk of spreading or getting the coronavirus. The survey, conducted by the C.S. Mott Children’s Hospital in partnership with the University of Michigan, says almost 3-in-5 plan to see extended family in person.Experts at the U.S. Centers for Disease Control and Prevention say postponing travel and staying home is the best way to protect yourself and others this year. They recommend hosting a virtual gathering, if possible, to avoid another spike in cases.To use the Georgia Institute of Technology's map, click here.This story was originally published by Jordan Mickle on WLEX in Lexington, Kentucky. 1863

For those who have a job they can do from home, plans to go back to the office full-time continue to get pushed back.If they weren't feeling burnt out before, experts with staffing firm Robert Half say you could be feeling it set in now.“If you don't raise your hand and have a really open and honest dialogue, you could continue to feel that way and that burnout can manifest itself in you missing deadlines, in you skipping work, needing to take vacation time and it really can be a weight that bears on you,” said Brett Good, Sr. District President at Robert Half.He says your boss should be receptive. Many of them are feeling the same way.That burnout can feel heavier because many people are afraid to take vacation.A new survey from LinkedIn found nearly 70% of professionals don't plan to take time off through the end of the year or aren't sure if they will.More than half say they're afraid to travel because of the risks associated with COVID-19 and 22% want to save their vacation time in case they or a family member gets sick.Even for people planning to take vacation, a quarter say they feel more pressure at work to be always-on because of the current state of the economy.If you're looking for a job right now, expect to see more openings that let you work from anywhere.“Most employers that we're chatting with right now are very upfront of saying, ‘yes we're ok with remote right now, but ultimately we will want that person to be working in our facility or one of our facilities,’ and so you have to ask the question to be sure if you're interviewing with an employer of what does it look like in 12, 24 months who knows how long,” said Good.Experts at Robert Half say they expect to see more work-from-home jobs long-term, even after the pandemic. 1776

For many, Labor Day simply signifies the end of summer and it offers a great excuse for an extended weekend.However, there’s a deeper meaning behind the national holiday, which has roots as far back as the 1880s.Labor Day is a creation of the labor movement. It’s dedicated to the social and economic achievements of American workers, the bedrock of the U.S. economy and the country's prosperity.“It constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of our country,” according to the U.S. Department of Labor.The first Labor Day was celebrated in New York City on Sept. 5, 1882, in accordance with the plans of the Central Labor Union.As for the founder of Labor Day, there is still some doubt about who first proposed the holiday for workers.Some records show Peter J. McGuire, a co-founder of the American Federation of Labor, was the first to suggest the holiday. Meanwhile, others believe that machinist Matthew Maguire proposed the holiday in 1882 while serving as secretary of the Central Labor Union in New York.Regardless, Labor Day celebrations gained popularity and communities across the U.S. began making it a state holiday. First, Oregon passed it into law, followed by states like Colorado, Massachusetts, New Jersey and New York.By 1894, 23 more states had adopted the holiday and in June of that year, President Grover Cleveland signed a law making the first Monday of each year a national holiday.Since then, Labor Day celebrations have evolved. In the early years, Americans celebrated with street parades and festivals.“Speeches by prominent men and women were introduced later, as more emphasis was placed upon the economic and civic significance of the holiday,” the Department of Labor says.Today, the holiday is still celebrated in cities and towns across the U.S. with parades, picnics, barbecues, firework displays and more. 1928

First lady Melania Trump said that she has "much more important things" to focus on than the alleged infidelities of her husband, President Donald Trump."It is not concern and focus of mine. I'm a mother and a first lady, and I have much more important things to think about and to do. I know people like to speculate and media like to speculate about our marriage," the intensely private first lady told ABC News in a taped interview last week during her first solo foreign trip.Asked if she's been hurt by the allegations, Trump, after a brief pause, said, "It's not always pleasant, of course, but I know what is right and what is wrong and what is true or not true."Asked by ABC News if they still have a good marriage and if she loves her husband, the first lady replied, "Yes, we are fine." 804

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