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The goal of these programs is to allow for low down payments and to make it easier for people with less than perfect credit to qualify for a mortgage. With mortgage interest rates near historical lows and housing prices increasing across the country again, now is a terrific time to look into buying a home. Fill in the contact form on our home purchase programs page to learn more about the available government- backed purchase programs and perhaps to get pre- qualified for a home purchase loan. HOME REFINANCESFor Homeowners Who Have Equity. There are several superb government- backed refinance programs for borrowers who have even a little equity in their homes and there are various good reasons to seek a refinance: Lower interest rates and monthly payments. With rates near all time lows still, refinancing to a better rate can help families save a lot of money. Get cash out. Home values are increasing across the country which allows for cash out refinances in many cases. Get rid of mortgage insurance (PMI). If you have at least 1. PMI payments. Reduce mortgage insurance payments. When there is not enough equity in the home to remove mortgage insurance entirely, borrowers can sometimes lower their mortgage insurance fees along with their interest rate. The FHA streamline program is especially useful for this purpose. Consider a reverse mortgage. For homeowners who are at least 6. Reverse mortgages allow homeowners to utilize the equity in their homes to reduce or eliminate mortgage payments. Contact us to learn more about reverse mortgages. Refinance to a 1. Interest rates on 1. Monthly payments on 1. Contact us in the form in the sidebar to be pointed in the right direction on these refinance options. FHA Streamline Refinance — If you currently have an FHA loan, refinancing through the FHA streamline program is an excellent option. It is a low cost, low headache process designed to lower payments and interest rates. Fill in the contact form on this page if you have an FHA loan and would like to learn more about the FHA- to- FHA streamline program. VA streamline (IRRRL) Program — For borrowers who have a VA loan now, the VA to VA streamline (also known as the IRRRL program) is a terrific, low cost way to significantly reduce payments and interest rates, even for borrowers who are underwater on their homes. If you have a VA loan contact us to learn more about the IRRRL program. HARP Refinances — With President Obama’s HARP program, qualified homeowners can refinance a conventional first mortgage which is backed by Fannie Mae or Freddie Mac no matter how underwater they are. Further, while the HARP 1. PMI), the changes in the HARP 2. PMI to participate. The HARP program does not allow second mortgages to be combined with first mortgages but will allow the first mortgage to be refinanced with the second mortgage remaining in place as is (called a subordination). Contact us to learn more. Loan Modification Programs — If you are unable to qualify for any other refinance program or if you are delinquent on your mortgage payments and are on the verge of foreclosing your best bet is often to seek a loan modification from your current lender. See this page for strategies on seeking a loan modification. Be sure to bookmark this site and check back for the latest updates on government- backed efforts focused on alleviating the housing crisis in the US (see stories below).
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Prima di modificare i file dei vari template, assicuratevi che in Parametri Avanzati > Prestazioni sia configurato Cache Template con l'opzione . Durante lo sviluppo del sito . Basta mettere il contenuto da nascondere tra le parentesi graffe con asterischi . Dopo aver tolto la colonna dobbiamo aggiustare il contenuto centrale, per occupare lo spazio lasciato vuoto (grid. Questo parametro serve a rimuovere il margine destro per l'ultima colonna. Potete usare il Live Edit, per. Quindi rimuovete tutti i moduli della colonna eccetto CMS, solo in questo caso si salva. Non preoccupatevi di CMS perch. Nel mio caso invece voglio metterne fino a 6, cio. Quindi intanto metto in configurazione 6, e salvo. Poi devo agire sul css per aggiustare le misure dei box. Invece di modificare il file del modulo core di Prestashop dobbiamo sfruttare il sistema di override. Quindi nel mio template custom apro la cartella . All'interno di essa copio il file homefeatured. Questa procedura va adottata per tutti i css dei moduli che volessi cambiare. In pratica qualcosa del genere: /themes/default. Le homefeatured sono in corrispondenza di home. Normalmente sarebbe una lista ma io preferisco una griglia, simile ai tre prodotti per riga che ho in vetrina. Per ottenere la griglia il codice . Osservate in particolare la riga 6 dove ! Dobbiamo ritoccare il file: /themes/default. L'immagine va ridimensionata come abbiamo visto nelle impostazioni immagini. Anche i thumbnails possono essere ridimensionati, bisogna solo stare attenti coi css per sistemare le dimensioni di tutto, compreso il contenitore che permette lo scrolling. Il codice per le colonne l'ho corretto come segue: #pb- right- column. Facilitarsi la vita con PHP e Smarty. Se siete programmatori PHP e siete stanchi di dover utilizzare le solite funzioni printheader() e printfooter(), ma soprattutto stanchi di impastare il codice dentro tag html, dovete proprio darvi una svegliata. 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Depending on the circumstances, you may be facing serious sanctions for driving without a valid driver's license. Meeting with an attorney can help you determine your next steps. Find a traffic law attorney licensed to practice in your state. Driver License Suspensions . But tally up too many moving violations - - or get charged with a DUI or DWI - - and you might end up having your driver license suspended for a few months, even years. Below you'll find a discussion of common reasons for license suspension, the procedure your state might follow to take your license away, and what you can do to fight license suspension. Driver License Suspension for Multiple Moving Violations. If you get one or two routine moving violations - - for things like running a stop light or speeding - - your driver license won't be suspended. To drive a car in the United States, you are required to have a valid driver’s license. Driving without a valid driver’s license is illegal from coast to coast. In every state, traffic laws make it unlawful to operate a. License Status check https://txapps.texas.gov/txapp/txdps/dleligibility/ Failure to Appear Program (DPS / OMNI) http:// Find your DPS Trooper ticket https://www.txdps.state.tx.us. Getting a traffic ticket for different violations can happen if you aren't aware of the laws or code where you live or visit. Choose a country you want to visit and find out about three specific traffic laws and the penalties. Traffic Ticket Basics. While speeding is reported as the most common unsafe driving behavior drivers see on roads, drivers believe that enforcement is too lax with the other unsafe driving behaviors. For example, 60 percent of. FAQs Dallas Attorney Answering Traffic Violation FAQs Providing Strong Traffic Violation Defense in Texas. If you have received a traffic ticket in Dallas, Fort Worth, or any other city within Texas, you likely have questions. Usually, your license isn't at risk unless you've been convicted of at least three moving violations in the past three to five years - - specifics depend on the state where you live (parking tickets don't count). An exception sometimes exists for young drivers. In some states, just one moving violation can result in license suspension for drivers under the age of 1. Don't just pay your ticket! By just paying your ticket you not only plead guilty, but the conviction goes on your driving record, points get assessed on your driver license, you may lose the 'safe driver' status and risk. Find out how your driver license can be suspended, and what you can do to prevent it. Teens 16–17 years old with a valid out of state driver license. Apply for your WA license at an office. You’ll need to: Present your Traffic Safety Education certificate to show you’ve passed a traffic safety course. Point Systems. Most states handle driver license suspensions using a system that assigns a certain number of points for each type of moving violation. If you get too many points in a certain period of time, you are at risk of losing your license. In some states, motor vehicle accidents can result in points as well, even if no fault determination was ever made by a court or law enforcement agency. Most states' moving violation point systems take one of two forms: State A: Most moving violations count as one point. Moving violations involving excessive speed count as two points. License suspension occurs when a driver receives four points in a year, six in two years, or eight in three years. State B: Minor violations (non- excessive speeding, illegal turn) count as two points. More serious violations (running a stop light, excessive speeding) count as three, four, or five points. License suspension occurs when a driver receives twelve points within three years. License Suspension Proceedings for Multiple Violations. Usually, if you face license suspension because of multiple moving violations, you're entitled to a hearing with a motor vehicle bureau officer before your license is taken away. Since the stakes are high, it makes sense to prepare for and attend the hearing. Think of arguments you can make and facts to present that might persuade the hearing officer to rule in your favor. If appropriate, take the following angles in making your argument: Discuss the specifics of your moving violations. If you believe any of the tickets shouldn't have been issued in the first place, explain why. Also explain why you chose not to fight the ticket at the time. Discuss the facts of any traffic accidents. If the state assessed some of your points for accidents, now is your chance to demonstrate that the accident wasn't your fault, was difficult to avoid, or was not part of an ongoing pattern of bad driving. Argue hardship. If you must drive to work - - or if driving is part of your actual job - - let the hearing officer know that the loss of your license might cause you to lose your job. Mention how many miles you drive per year. If you drive more than 1. The argument here is that, since you drive more than the average person, you are statistically more likely to get into more accidents or get more tickets. Discuss new driving habits. Discuss steps you've taken to drive more carefully and safely since the moving violations or accidents occurred. In some cases, you might want to consult with a lawyer before the hearing or even hire one to represent you. Prevention - - Keeping Your Points Low. The best way to keep your license is to keep track of the points you've earned, avoid getting points by driving safely and carefully, fight a ticket when possible, and attend traffic school to wipe points off your record. If you believe the ticketing officer made a mistake, take steps to fight the ticket in court. In some states you can attend traffic school once a year, while in others you must wait 1. In some states, you aren't eligible for traffic school if you're ticketed for exceeding the speed limit by more than 1. If you are eligible for traffic school, take advantage of it. It's a 1. 00% guarantee that your violation won't appear on your record. Most courses are 6 to 8 hours and some states allow you to attend traffic school online, so you can fulfill your obligation at home or in your local library. In most states, the police officer suspends your license even before you have been convicted of the offense. Here's how the process works: After the arrest, the police officer takes your driver's license and issues you a temporary license that expires at a future date. On that date, your license will be suspended - - unless you prevail at a DMV hearing. It is your responsibility to request a hearing. If you don't, the DMV will automatically suspend your license. This occurs even if the charges are later reduced or dismissed in court. At the DMV hearing, you have the opportunity to argue against suspension. If you lose, the hearing officer will suspend your license for a period of time. The amount of time depends on a number of factors, including: whether you refused a breath, urine, or blood testwhether your blood alcohol was . Charges of driving under the influence of alcohol or drugs can have serious consequences. Just as you are wise to consider hiring an attorney to represent you in the criminal hearing for DUI/DWI, you may want to consult with an attorney regarding your license suspension hearing as well. These laws also require a driver to provide multiple breath samples, if requested by the police. Your license remains suspended for this time period, even if you are not convicted of the underlying DUI- related charge. Learn More About Fighting a Ticket or Driver License Suspension. For everything you need to know about challenging a traffic ticket or license suspension - - from understanding the relevant laws to presenting your case in court - - get Nolo's Beat Your Ticket: Go to Court & Win, by David W. Brown. You can also talk with an attorney about your options if you're thinking about fighting a traffic ticket or a driver license suspension. Go to Nolo's Lawyer Directory for a list of traffic offense attorneys in your area (click the. |
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