Losing cellphone service is inconvenient. But in some cases, it also might mean you're getting hacked.
San Francisco resident Robert Ross, a father of two, noticed his phone suddenly lose its signal on Oct. 26. Confused, he went to a nearby Apple store and later contacted his service provider, AT&T. But he wasn't quick enough to stop a hacker from draining $500,000 from two separate accounts he had at Coinbase and Gemini, according to Santa Clara officials.
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Sitting rooms don't get much better than this one from Lapis by @granvuehomes, on display at Thornhill Park. The white painted walls give off a crisp and bright vibe, perfectly accentuated by the dark sofas and pastel-coloured throw pillows. Impressed by this dreamy design? Leave us a ❤ in the comments!
Thinking of buying, or know someone who is? The first step is to save up for a down payment. Here are some answers to some common questions about down payments.
How much down payment do I need?
To qualify for a Federal Housing Administration (FHA)-insured mortgage, the smallest down payment acceptable is 3.5%. However, down payment requirements for some first-time homebuyer programs backed by Fannie Mae and Freddie Mac can be as low as 3%. Both of these low down payment options require mortgage insurance, which take the form of monthly payments tacked on to your mortgage payment.
The minimum down payment needed to avoid extra fees or payments is equal to 20% of your home purchase price. In other words, if you want to buy a $400,000 home, you’ll need an $80,000 down payment. That leaves you with a $320,000 mortgage.
Are there any tricks for saving up for a down payment?
Yes! The best thing you can do to ensure down payment saving success is to make a goal and a strategy to meet it.
Set up a savings account: Create an account separate from your emergency fund and set up a direct deposit. The account can be a special saving instrument like a CD or a bond fund, which pay higher interest rates and require waiting a set amount of time before withdrawing the funds. This ensures you won’t be tempted to draw on your down payment savings for other expenses.
Convert new revenue streams: Take a part-time job and commit the extra income solely to your house fund. Or, the next time you receive a raise at work continue to live off your old salary and send that extra money straight into your savings account.
Reduce extra expenses: Calculate how much money you spend on a certain luxury item (i.e. trips to Starbucks or nights out) and cut back, redirecting that money into savings. Or, consider downsizing your car to free up more cash each month. Even better, do both!
Need help navigating down payments and mortgages? Click Apply Now from the link in our bio for assistance on getting the best terms.
#rentingishazardoustoyourwealth#buildequity#buildingequity#stoprenting#homeownership#getpreapproved#mortgageexperts#lendplus ( #📷 @lend_plus )
Currently | Luxury | Executive Home | New Construction | Gourmet kitchen | Huge island | Granite Countertops| Huge Family Room| Outdoor Fireplace & Patio| Large Owner’s Suite with Spa Bath | Walk in Closets and Coffee Area ✨🏡✨
Andrea Green ▫️Realtor, MRP🇺🇸
Affiliated with BHGRE Metro Brokers
My passions will always be the arts and volunteerism however growth as a business woman, being ALL I was created to be comes with patience and hard work. Just closed on another investment property🙏🏾 #bluprint#levelup I post this to inspire my followers to dig deeper, push harder, go bigger for your life/legacy. #homeownership#jasmineburke