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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

FORT LAUDERDALE, Fla. (AP) — Prosecutors charging New England Patriots owner Robert Kraft with buying sex from massage parlor prostitutes are trying to save their case. They will argue before a Florida appellate court on Tuesday that police legally made secret video recordings of Kraft having paid sex at a massage parlor in January 2019. A lower court judge ruled that prosecutors could not use the recordings. He said the warrant allowing police to install secret cameras inside the Orchids of Asia spa violated constitutional standards. Kraft is charged with misdemeanor solicitation of prostitution. He has pleaded not guilty but issued a public apology. 667

Fox News wants its biggest fans to sign up for a streaming service called "Fox Nation."The network is preparing to announce the new product on Tuesday morning, according to The New York Times.The Times said it will be a "stand-alone subscription service available without a cable package."The online channel is expected to start "by the end of the year," according to the report. The content will consist primarily of "right-leaning commentary, with original shows and cameos by popular personalities like Sean Hannity."A Fox News spokeswoman declined to comment ahead of Tuesday's announcement.But the Times story quoted John Finley, a senior vice president at the network, as saying that the "Fox Nation" service is "designed to appeal to the Fox superfan," the "folks who watch Fox News every night for hours at a time, the dedicated audience that really wants more of what we have to offer."Fox's existing contracts with cable and satellite providers limit how much it can stream shows like "Fox & Friends," "Special Report" and "Hannity." So the new product will have new programs."Fox Nation" is the product that the executives had in mind when they hired Tomi Lahren, a stand-out social media commentator, last summer.At the time, the network said Lahren would have a "signature role on an FNC digital product currently in development."Lahren and other Fox personalities will create programming for the streaming service."Fox Nation" is currently the name of the company's conservative opinion site. On Monday night, the site was temporarily taken offline. Now it just says "coming soon," ahead of the official announcement on Tuesday.According to the Times, Fox is still determining how much it will charge for a subscription.Fox's parent company 21st Century Fox is just like many other media companies. The executives are exploring new business models that take advantage of the direct-to-consumer attributes of the web.  1948

Fifteen years ago today the lights went out on 50 million people in the Northeast—making it the largest power outage in US history.It happened on Aug. 14, 2003.  Wherever you were, the blackout seems like yesterday.On a warm, sunny day at around 4:10 p.m., power plants shut down in three minutes. The widespread power outage cascaded across eight Northeastern and Midwestern states and the Canadian province of Ontario.Life seemed to freeze as trains and elevators stopped. Everything, from cellular service to operations at hospitals and traffic at airports, was halted, as everyone waited for the power to turn back on.An investigation revealed that the start of the blackout could be traced back to an Ohio company, FirstEnergy.  771

For dog owners, it can be a helpless feeling to see their pet panic. A newly approved drug hopes to help pets left paralyzed by the sound of fireworks and other loud noises.“We have all the way from very mild to very severe cases, where dogs are going through windows and escaping through crates during noise events,” says Dr. Amy Pike, a veterinary behaviorist.Dr. Pike is excited about a new drug, which was just approved by the Food and Drug Administration (FDA) to help dogs who get stressed out by loud noises.The prescription drug is called Pexion, and it's part of a growing list of medications approved by the FDA to treat pets. The drug is given to dogs two days before an expected loud event, like the Fourth of July, as well as during the event.In a study, 66 percent of owners who gave their dog the pill say they saw good or excellent results.“I think it definitely has the potential to make a huge impact for some of these noise phobic dogs,” Dr. Pike says.However, there are downsides. The most common side effects are difficulty standing or walking, increased appetite and low energy.But dog trainer Juliana Willems is optimistic about the drug.“Everything that I’ve seen has been great and totally adding to the quality of life for these animals I’m working with,” says Willems. “I'm relieved to see that people are understanding the importance of medication in the behavior modification process.”Willems says to see the best results with the new pill, dog owners should use the medication in combination with behavior training, which could help everyone at home.“Humans have such a hard time with it, and a lot of time, I do just as much human counseling as I do dog training,” says Willems. “So, once the dog is behaving better, it improves. The family feels better. Like you said, it's better for everybody.” 1836