 and a debt-to-income ratio of 43%, no exceptions. You can be a first-time homebuyer if you have had no ownership in real estate during the three-year period before the purchase date of the property. Because this is a no-money-down mortgage product, it will require private mortgage insurance (PMI), which is an added expense you’ll need to pay monthly.
This product is open to Hanscom FCU members only, so you must open an account with us before closing. You’ll need to have two months of mortgage payments in reserve at closing; that’s principal, interest, taxes, and insurance. And lastly, if you’re thinking of asking Mom or Dad to pay those reserves, you’ll have to use your own saved funds to cover closing costs and the two months’ reserves. However, if you use our HomeAdvantage program, or can get the sellers to pay some of the closing costs (up to 3% of the loan amount), you can further reduce the amount you’ll have to bring to closing.
Are you ready to stop renting and start looking for a home you can call your own? Contact Hanscom FCU’s mortgage department today and learn more about this exciting limited-time product that’ll put you on the road to investing in your own future instead of your landlord’s.
Others are reading:
Before Applying for a Mortgage: 5 Steps to Organize Your Finances
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First-Time Home Buyer? Hanscom FCU Is on Your Side
Two Lessons from My First Mortgage
Can I Use a Cash Gift for My Mortgage Down Payment?On Tue, Nov 22, 2005 at 11:38:34AM -0500, Intense Red wrote: > I'm trying to figure out how to have multiple paragraphs, all with the > proper indenting, on a single bullet item. >... > But what I want is something like: > > * This is a normal bullet with a paragraph indented nicely. > This is another paragraph, associated and indented the same as the above > bullet. > * And another normal paragraph, with regular indentation. As of pmwiki-2.1.beta1, you can do this by default -- simply be sure that the first character of the paragraph lines up with the first character of the bullet item: * This is a normal bullet. This is a paragraph, associated with and indented the same as the above bullet. * And another normal bullet. PmAs I did already, I'm mostly going to just repost a post I made some days ago with some Purity Forest advices.


https://www.reddit.com/r/MysteryDungeon/comments/fmpew0/advice_for_purity_forest_dx_version/fl5ept3/



As of now, I have only cleared Purity Forest 2 times, both with the current best strategy, Heracross (remember: your stats get reset, the only thing you keep is your rare quality, so make sure to give Heracross rapid bull's eye and, if you can, reach max rank - 100k rescue points - before attempting Purity Forest). I haven't cleared Wish Cave or Joyous Tower yet; for Wish Cave I heard Mew + (mega)Swampert + Filler/Jirachi killer. You can cheese Wish Cave by bringing 20/30 or even more joy seeds and call it a day or filling your inventory with vitamins, I won't do that when running it for the first time however lol. Just bring a couple empowerment seeds or more if you're running Swampert or other megas. Idk, feel free to ask anything regarding Purity lol.


Don't worry if you die or seem to be unable to win. The best thing you can do is practice. If you go far into the dungeon, especially Purity, remember you can ask for help in the rescue megathread or the Mystery Dungeon Discord server - there are some heroes without capes on the servers that sometime go on long Purity Forest trips to rescue fellow rescuers.


edit: I mention in my post level 25/31 for Heracross. In general, know that every Pokémon can reach level 30-ish (mind the experience groups, some pokémon level up slower and some faster https://bulbapedia.bulbagarden.net/wiki/Experience#Relation_to_level ), and after 30, their stat ups per level get very minimal. You can check Bulbapedia or other sources for the learnsets (which are taken from Ultra Sun and Ultra Moon as far as I'm aware), and don't expect to go higher than the early 30's. Remember that if your Pokémon learns more than 4 moves at lvl 1 it'll have randomized movesets, so you'll need to reset for your ideal moveset if you want to optimize.January 6, 2023 - Web3rekt inquires ChatGPT about the best practices for safeguarding cryptocurrencies from losses. Some of the answers below may surprise you.
Use a hardware wallet: Hardware wallets are physical devices that store your cryptocurrency offline, which makes them less vulnerable to hacking.
Use strong, unique passwords: Avoid using the same password for multiple accounts, and make sure to use long, random passwords that are difficult to guess.
Use a password manager: A password manager can help you generate and store strong, unique passwords for all of your accounts.
Be cautious when clicking on links or downloading files: Be wary of phishing attacks, which are designed to trick you into giving away your login credentials or installing malware on your device.
Keep your software up to date: Regularly updating your operating system and antivirus software can help protect your computer from security vulnerabilities.
Keep your recovery phrases and private keys safe: Make sure to store your recovery phrases and private keys in a safe place, and don't share them with anyone.
Item #4 is not recommended because you are likely to increase the attack surface for the threat actor into solutions that you do not have control over. We have seen this recently with the compromise of LastPass Password Manager. There are many dependencies in software modern development and they can also increase the attack surface beyond the control of the primary solution provider.
Our prediction is that Item #8 will be untrained from the response in the future as a best practice as more data are inputted for finer-tuning of ChatAPT.Can't Bypass VPN

I am stuck on this. I read through the forum history. I read online. I still can't get it to work or figure it out. There is something I am doing wrong and I have spent over an hour. I have a feeling it's something simple. I apologize for asking a question that's been asked over and over but I just can't get it to work. 

I want to bypass one device from the VPN. It has a IP address of  |||IP_ADDRESS|||  on my network. So I went to Firewall/Rules/LAN

I clicked add (arrow up). Edit new rules.

I have it set like this. https://imgur.com/a/BvgH03i

Go down to advanced options, gateway, set it to WAN_DHCP, click save. 

I rebooted the device:  |||IP_ADDRESS|||, and still it's going through the VPN - what am I doing wrong? or is this incorrect?Desert Hearts reveals 3-year anniversary lineup
by: Jordan Diaz Oct 6, 2015
Five days of nonstop house, techno and good vibes are on its way with the upcoming installment of Desert Hearts’ fall festival this November. The lineup announcement includes artists like Claude VonStroke, J. Phlip, Doc Martin, Sabo, Gold Clap and more for an experience similar to Burning Man yet with an emphasis on underground music. Check out the video trailer above.
Desert Hearts’ 3-year anniversary festival will take place at the Los Coyotes Indian Reservation in Southern California from November 5-9. Tickets are available here.The rear brake can be used to alter the angle of the rear swing arm by making it'squat'. That is you can get the front of the swing arm to be pushed down which in turn can lengthen or shorten the wheel base of the bike (depending on where it is in it's range of movement) or it can be used to keep the bike from lifting the front when under power (front of the bike may change angle but will be planted to the ground rather than lifting off the ground during a wheelie).   
  
I don't think they are allowed electronics hooked up to the rear brake and this can't be done (I'm pretty sure) from the engine as it is literally due to the force being applied by the brakes at that locationWhat is a home protection plan?
A home protection plan is simple. It's a one-year service contract that covers the repair or replacement of many of the home system components and appliances that typically break down over time.
Why do I need a home protection plan?
It's not just about your budget - it's about having the confidence that a problem is handled a qualified service contractor.
Why should I choose American Home Shield?
As the industry leader with over 40 years experience, we have the
know-how and financial backbone to honor our word. Year after year, we
stand by our customers. As an American Home Shield customer, you get the
full confidence that when problems arise, we'll be there for you. We
help facilitate the entire process and provide quality service when it
comes to repairing or replacing your covered items.
