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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

This will also be the second winter in a row with a La Ni?a in place, only the fifth time in recorded history when we've had back to back La Ni?a winters. 154

Those interested in general voter registration can visit the Registrar of Voters office. Registration forms can also be obtained at public libraries, post offices or DMV offices. 178

Trump went on to say things might have been different had Parisians in the cafes under attack had been armed."If one employee or just one patron had a gun, or if one person in this room had been there with a gun, aimed at the opposite direction, the terrorists would have fled or been shot. And it would have been a whole different story," Trump said.The élysée palace responded to that comment by saying, "The free flow of arms within society does not constitute a shield against terrorist attacks. It can instead facilitate the planning of this type of attack."And the French ambassador to the United States, Gérard Araud, tweeted: "The statistics of the people killed by guns don't convince France to change its guns laws."?A group of about 10 men staged a series of coordinated attacks in Paris on November 13, 2015, killing at least 130 people and wounding hundreds.The attackers, armed with assault rifles and explosives, targeted six locations across the city. ISIS claimed responsibility for the attacks. 1017

to the public despite a "Safer At Home" order issued by the county — an order that includes places of worship. The pastor of that church was later arrested, charged with unlawful assembly and violation of a public health emergency order. 237