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This is where conventional loans have really improved. FHA loans used to be the low-down-payment leader, requiring just 3.5% down. But now, Fannie Mae and Freddie Mac both offer 97% loan-to-value products; that means a 3% down payment option — even lower than FHA — for qualified buyers. 287

There was also dried urine on the plastic wrapper of cardboard pizza boxes and gnaw marks through plastic into boxes, the report said. 134

Tibbetts, a sophomore, was studying psychology and wanted to earn a doctorate and write books, her father said."It's intolerable. No one just disappears, no one just vanishes without a trace," he told HLN.On the day she vanished, Tibbetts' brother dropped her off at her boyfriend's house so she could dog-sit, HLN reported. She was last spotted jogging around 7:30 that evening, wearing gym shorts, a black sports bra and running shoes, the sheriff's office said.Calderwood said the recent weeks have felt like torture."The first night she went missing, I was distraught," Calderwood told CNN affiliate KCCI in Des Moines. "I knew her phone was dead, but I sent her a text saying, 'I love you. We're looking for you. We will find you no matter what.'" 752

They have been open and transparent and incredibly authentic with their apology, he said. "I think they're going to have more people wanting to go to KFC than less ... as a result of this." 189

They were so excited, and the hamburgers were McDonald's, so the minute they saw McDonald's, they were like 'Oh my God, McDonald's!'Barron says his mission is about putting politics aside. He crossed the border as a fellow human who recognized they were in need. "(It) puts some perspective, you know?" He said. "When somebody gets so excited over one hamburger, it's like...wow."Since his trip, Barron says he's gotten donations from people all over the Country - as far away as Minnesota.He now plans to go back as many times as possible to deliver food as long as they need it.   597