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Buying a Home or Refinancing? Here's How to Find the Right Home Loan
Buying a Home or Refinancing? Here's How to Find the Right Home Loan
Navigating the world of home-buying could be an Olympic sport. There are so many different regulations, guidelines and fees to keep track of -- and by the time you master one part, there are new rules to learn. And, with mortgage rates predicted to continue rising, particularly as the Fed looks to increase rates as early as March, locking in a rate sooner rather than later may save you tens of thousands in interest.
When searching for the right home loan, you're bound to come across many options. But not every mortgage is right for every person -- you'll want to learn more about the different types of home loans to decide which one is right for you. This guide will help break down several of the most common home loan types, while explaining what's required for approval and who each type is best for.
Read more: Mortgages, Credit Scores and Down Payments: 5 Things to Know Before Buying a Home
1. Conventional loan
What it is: A conventional loan is a loan that isn't backed by a government agency. These are the most common type of loan. Conventional loan terms come in 10-, 15-, 20- and 30-year terms, with 30-year terms being the most popular option.
What you need: You can get a conventional loan with as little as 3% down payment and a 620 credit score. But the lower your credit score, the more money you might need for a down payment.
Who it's good for: The majority of home loans -- around 75% -- are conventional loans, so it's good for most people. You can use it for your first home, second home and even investment properties.
Who should skip it: Borrowers who don't have the minimum credit score requirements or need payment assistance.
2. FHA loan
What it is: An FHA loan is backed by the Federal Housing Administration, which provides mortgage insurance to lenders who provide FHA loans. It's the largest mortgage insurer in the world. Loans are administered by FHA-approved lenders. This can be local banks, credit unions and online lenders. Loans come in 15- and 30-year terms.
What you need: To secure a 3.5% down payment rate, your credit score will need to be 580 or above. If it's below 580, you can still qualify, but you'll need at least a 10% down payment. For down payments of less than 20%, your loan will require private mortgage insurance. PMI protects the lender just in case you default on your loan. PMI will get removed from your mortgage payments once you have at least 20% equity in your home.
Who it's good for: Borrowers who don't have strong enough credit to qualify for a conventional loan. FHA loans also offer down payment loans and grants through federal, state and local programs whereas conventional loans don't.
Who should skip it: If you have good or excellent credit that would qualify you for a conventional loan.
Check out our full guide to FHA loans.
3. VA loan
What it is: VA loans are offered through the US Department of Veterans Affairs. Military veterans, those in active duty or in the reserves qualify for VA loans.
What you need: There's no down payment or minimum credit score requirement to get a VA loan.
Who it's good for: Those who serve or have served in the military.
Who should skip it: Borrowers who aren't in the military, obviously. VA loans are only good on primary residences so if you need funding for a second home or investment property, you'll need to look at other options.
Check out our full guide to VA loans.
4. USDA loans
What it is: USDA loans are funded by the US Department of Agriculture. They're available in specific regions across the country. They're made for borrowers in mostly rural areas who might not otherwise qualify for a traditional loan. Loans are backed by USDA-approved lenders (similar to FHA-backed loans). You can check to see if you'd qualify by checking the eligibility site.
What you need: There's no down payment required for a USDA loan. Most lenders require at least a fair credit score.
Who it's good for: Families in rural areas as long as you meet income and location limits.
Who should skip it: Those who don't meet the location and income requirements. If you qualify for one and not the other, you also might want to look into alternative loan options.
Check out our full guide to USDA loans.
Other loan types to know about
As well as being based on a government (or nongovernment) program, mortgages can be categorized by interest rates and how much the home price is. Those are:
Fixed-rate loans: These are the most common type of loan within a conventional mortgage. Fixed-rate loans means you'll pay the same interest rate every month for the life of the loan. The only time your interest rate will change is if you refinance your mortgage.
Adjustable-rate mortgages: ARMs have a fixed interest rate for a set amount of time and then the interest rate fluctuates periodically. They usually start out lower than standard fixed-rate mortgages but can change over time based on a benchmark. A 5/1 ARM means the first five years have a fixed rate and then a variable interest rate that changes every year after that.
Jumbo loans: This is a mortgage that finances a property that's too expensive for a traditional loan. The qualifications for jumbo loans tend to be more strict. For most lenders, you'll need a credit score of at least 700 and usually a 20% down payment. Jumbo loans start where conforming loans end, which is different depending on where you are. Jumbo loans can have fixed or adjustable rates.
Sure, a dishwasher's primary function is helping clean up after a meal, but it's also so much more than that. A dishwasher is also a live-in housekeeper, a device to help children learn about chores and a radical act of self-care or couples' therapy. (You can forget about those disagreements thanks to our helpful and definitive guide to the right way to load a dishwasher.)
Finding the best dishwasher in 2022 isn't as simple as it sounds. Dishwashers are relatively standard in size -- typically 24 inches wide and about 35 inches high -- so choosing the perfect model one for you is more a matter of your available budget and what kind of options or features you want. In terms of dishwasher functionality, many rating sites, including CNET, have previously concluded that the dish detergent you use and properly loading the dishwasher are often more important than the dishwasher itself when it comes to getting your dishes sparkling clean. What higher prices typically get you are more racks, hidden controls, smart features, numerous cycle options and peace and quiet, not appreciably cleaner dishes -- though some may get you appreciably drier dishes.
If you're wondering how much a dishwasher should cost, a typical model with a variety of options runs between $600 and $1,100, with several good choices falling below that range and higher-end models offering more than you could even imagine you might need except for the device to actually load itself.
Read more:Yes, You Need to Clean Your Dishwasher. Here's How
I evaluated a number of the most popular models with a range of features and in several price points to bring you the best built-in dishwashers for 2022.
Bosch/CNET
For features versus price where overall user rating is concerned, Bosch's 300 Series dishwasher is among the most highly rated across several major retailer sites, coming in just below average in price for the number of amenities it offers. Its large capacity holds up to 16 place settings, it includes a desirable third rack, and it offers an adjustable middle rack to accommodate larger items, as well as flexible tines in the lower rack for even more versatile loading. Five wash cycles are available: heavy, auto, normal, rinse and hold and a speedy one-hour cycle, with four additional modes such as delay start, half load, sanitize and extra dry. With a quieter-than-average decibel level of 44, this is the best overall dishwasher to buy for what it offers. Bosch also offers 100, 500 and 800 series dishwashers in different price points that also maintain consumer popularity and high ratings.
In person, this was one of the slickest-looking dishwashers of the bunch. But beware, that sleek modern stainless look may get tarnished by fingerprints if you have little ones who tend to touch and grab everything in sight. I loved the adjustable top (third) silverware rack, in addition to a removable lower silverware rack, which felt sturdy and frees up space in the lower racks for plates, pans and other larger items.
Home Depot rating: 4.6 out of 5 based on 5,053 reviews
Lowe's rating: 4.3 out of 5 based on 1,610 reviews
Whirlpool/CNET
Many very good dishwasher options are available in the $500-to-$600 range, but for less than $500 for a full-size appliance, Whirlpool offers a reliable, no-frills model with over five figures of positive ratings, that still includes many of the amenities of the popular Bosch dishwasher above. An in-door silverware rack creates additional space in the basin, which can store up to 14 place settings. For your savings, you still get a stainless steel finish, as well as heavy, normal, high-temperature, and one-hour wash cycles, with sanitize and heated dry options. More expensive models tend to have soundproofing features that reduce the dishwasher noise while it's running. But at 55 decibels, this Whirlpool model is well within the range of the average noise level for dishwashers.
While this model wasn't as aesthetically pleasing in person, it had well-organized racks and was roomy inside. The front stainless steel panel also feels a hair flimsier than some of the others, so beware of dents.
Home Depot rating: 4.3 out of 5 based on 13,461 reviews
Lowe's rating: 4.3 out of 5 based on 10,599 reviews
KitchenAid/CNET
With cycles that can run several hours, perhaps noise -- or lack thereof -- is the most important consideration for you, especially if your open-plan kitchen is close to your bedroom or nursery, or if it's also your office. Most standard dishwashers run in the 50-60 decibel range, which is just below the noise level of normal, indoor conversation. Many models now include additional technology that helps bring the noise level down to a very quiet 40-50 decibels, but this Kitchenaid model achieves an almost whisper-quiet level at only 39 decibels. In addition to being able to take a nap while the dishwasher is running, this high-end model also includes a third rack, a ProWash sensor that automatically adjusts the cycle for the soil level of the dishes and an extended heat dry option that can even evaporate the most determined drops on your plasticware.
This model reminded me of the Bosch SHEM63W55N both inside and out with its slick, modern design. The top silverware rack is slim but sturdy. The adjustable middle rack was simple to operate and intuitive to move into position to accommodate items of varying sizes.
Home Depot rating: 4.7 out of 5 based on 1,396 reviews
Lowe's rating: 4.5 out of 5 based on 124 reviews
LG/CNET
This smart LG dishwasher includes Wi-Fi capability that allows it to communicate with other devices, meaning you can start or lock the machine remotely from a mobile phone app or even by voice activation within the house. Additionally, LED lights allow you to see inside the dishwasher during the cycle, giving it almost babysitter-like power if your kids or pets are also fascinated by the washing machine. You pay a little extra for the smart capabilities, but otherwise, the LG offers the same variety of wash cycles as the Bosch model above, as well as a third rack and adjustable upper rack, accommodating up to 15 place settings. At 42 decibels this is also one of the more quiet options on the market.
If minimalist design appeals to you, this dishwasher hides its control panel and buttons inside the dishwasher on the top of the door, giving the front panel a nice, clean look. The LED lights that activated when I opened the door were bright to help spot fallen forks or unclean dishes. This model felt as sturdily built as any I had the pleasure of vigorously opening, closing and jostling about.
Home Depot rating: 4.3 out of 5 based on 886 reviews
Lowe's rating: 4.3 based on 606 reviews
Samsung/CNET
In the 18-inch-wide department, Samsung offers a consistently highly rated dishwasher that is also budget-friendly for the number of amenities it contains. Tines in the bottom rack fold down to allow for larger items, and it can hold up to eight place settings in its normal configuration. It runs at a very quiet rate of 46 decibels, and in addition to its five available cycles with four modes, it includes an auto-release door that opens the dishwasher and allows air to circulate in quickly, cooling your clean dishes and improving drying performance.
Despite its downsized dimensions, this model still had seemingly plenty of space inside for even a family sized load of dishes. Like the LG, this Samsung has its controls set into the top of the door so there's only a clean stainless steel panel to look at when the door is shut. The top rack is adjustable and was easy to maneuver.
Home Depot rating: 4.7 out of 5 based on 60 reviews
How we evaluate dishwashers and best list methodology
I researched the dishwashers in this list by analyzing specs and user reviews from major retailer sites such as Home Depot, Lowe's and Best Buy. I also considered their best-selling and top-rated models and their available features compared to price. I focused on those models that had a rating of at least 4.5 stars with at least 500 ratings, or at least the highest rating among the highest number of ratings for the feature or size I was evaluating.
Only those dishwashers that were Energy Star Certified by the EPA were considered, for peace of mind concerning energy efficiency. I dove deep into user comments and ratings to ensure there were no persisting problems, issues or complaints among a particular brand or model. While we didn't do extensive hands-on testing for this list of best dishwashers, I was able to get my hands on several models in various appliance showrooms to evaluate the build of the unit and the intuitiveness of the buttons and controls.
Dishwasher buying guide: Things to consider
Dishwasher size
The size of your dishwasher is the first decision you'll make since not all kitchens have the space to accommodate a full-sized model. Most standard models are 24 inches wide and about 35 inches high and kitchens are generally designed to house a model of those dimensions, but there are slimmer dishwashers to accommodate smaller spaces.
A standard dishwasher is 24 x 35 inches in size but compact and custom models exist for smaller spaces.
Bosch
Choosing a style
Most dishwashers are available in stainless steel, which fits into most kitchen motifs. Many models are also available in white, black and other finishes. You won't find tons of color options but Samsung offers a bespoke line that includes unique finishes including navy steel and brownish Tuscan steel.
Samsung has a line of bespoke large kitchen appliances to add some color to your kitchen.
Samsung
The pricier models including Bosch and KitchenAid tend to have sleek, minimalist front doors and flashier internal design. More budget-friendly brands such as Whirlpool and Maytag have more traditional aesthetics, generally speaking.
Dishwasher racks and rack placement
This is an easily overlooked feature but it has a significant impact on your day-to-day dishwashing. A new trend is the small third flat rack at the top that can accommodate extra silverware, kitchen utensils and other smaller items. They are typically in addition to an upright silverware holder housed in the bottom rack. If you find yourself filling or overfilling a standard silverware holder on a regular basis, this feature will allow you to wash everything and keep things neat and tidy.
The trendy third rack provides another place to load silverware, kitchen utensils and other small items.
Whirlpool
Many dishwashers also now have adjustable racks to accommodate dishes and pans of odd or abnormally large sizes. If you've ever struggled with fitting large items into your dishwasher, you should consider a model with adjustable racks.
Read more:Best Dishwasher Features of 2022
Various dishwasher cycles and features: Do they matter?
There are dishwasher cycles that come standard on nearly every model -- normal, quick wash, heavy-duty, delicate -- but fancier units will have even more specific cycles such as mineral-assisted wash and presoak cycle. These extra cycles can be nice to have but I wouldn't weigh them too heavily when making a purchase decision. Ultimately, you'll be using the standard cycles far more than the niche ones.
Here's a quick guide to dishwasher cycles and when to use them.
Don't become consumed with the various cycles. You'll likely only ever use two or three.
Maytag
Drying cycles: Condensation versus electric drying
Most dishwashers have one of two ways to dry dishes after a wash. Many use a condensation process where the dishwasher will use very hot water to heat the dishes inside toward the end. Then, as the tub cools with the hot dishware, condensation will occur and water will drip off the dishes.
Other dishwashers, including some KitchenAid models, have an electric heating element to heat the air and dry dishes at the end. This may be a more thorough way to dry the dishes but it's also less sanitary, less energy-efficient and will melt plastic items that are on the bottom rack since they are so close to the heating element.
Dishwasher noise level
While dishwashers generally have more in common than they do differences, the noise level is one area in which they do vary and may affect your overall satisfaction with a particular unit. Most modern dishwashers are pretty quiet, reaching only 40 or 50 decibels. But some, like the Kitchenaid KDFE204KPS, have advanced technology to keep the machine as hush-hush quiet as 39 decibels when running. If you look into the specs section of each model, this information should be listed clearly.
Dishwasher FAQs
What is the average lifespan of a dishwasher?
Manufacturers will tell you a dishwasher should last about 10 years but you might expect to get a few more years out of it than that if you don't overuse the machine and take some quick steps to keep it running smoothly.
There are things you can do to extend the life of your dishwasher like scraping off solid foods from plates and pans before loading, cleaning the filter monthly and never putting vinegar inside your dishwasher, as CNET's Katie Teague explains.
What are the different styles of dishwashers?
Dishwashers are fairly standard in size -- 24 inches wide by 35 inches tall -- with some narrower, 18-inch options also available. Beyond those two customary widths, the major aesthetic decisions you are making are in the dishwasher's finish, the handle type and whether the controls are located on the front panel of the dishwasher or hidden along the top of the loading door, referred to as "front control" or "top control" in the search features.
Most available dishwashers allow you to make specific selections among those features once you've decided on a particular size and model. Then your decision becomes a matter of what additional features you desire in a dishwasher and what's available for your budget. The higher-end models are smart-enabled, offer a third rack and adjustable rack settings, numerous wash cycle selections and also have bonus features such as leak sensors and self-cleaning filters. Budget-friendly options may have fewer features, but you should still expect at least a few wash cycle selections with perfectly clean and dry dishes at the end of any given cycle.
When is the best time to buy a dishwasher?
According to a report by Consumer Reports and Gap Intelligence, dishwasher prices begin to dip at the start of summer culminating with the biggest drops in the months leading up to Black Friday and Cyber Monday.
What is the difference between a plastic and stainless steel dishwasher tub?
Along with soundproofing technology, the other matter which has the biggest impact on a dishwasher's price is whether the tub is made of stainless steel, heavy-duty plastic or as in only a few models, a stainless steel hybrid. Stainless steel models tend to be slightly more efficient since they conduct heat and can more easily maintain temperature during cycles, but most plastic tub models are also Energy Star Certified and should not present an energy efficiency concern. There is no major difference in durability between plastic and stainless steel tubs, with both types of dishwashers tending to last about 10 years.
Should I get a dishwasher warranty and how important is it?
Your dishwasher should last you about 10 years without requiring any major repairs but, of course, a warranty is a good thing to have if something goes wrong soon after you take it home. Most warranties from the major brands outlined here cover replacement parts and labor for one year from the date you purchased it and are designed to protect you should there be a major manufacturer flaw in your model.
It is worth noting that Maytag appliances include a generous, limited 10-year warranty that covers certain replacement parts after the first year warranty expires. Meanwhile, you can potentially extend the efficacy and lifespan of your dishwasher by taking care of it, with CNET's guide to how to clean your dishwasher.
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23 great iPhone games you can download right now
23 great iPhone games you can download right now
PlayStation and Xbox consoles are harder to buy than ever right now, but who needs 'em? After all, you carry a gaming machine in your pocket with you everywhere you go. The iOS ecosystem is home to a dizzying array of fantastic games you can play, many of which are optimized for your iPhone. In fact, there are so many games out there that cutting through them all can be overwhelming. What should you skip and what should you play?
This is a list of 23 titles that are worth your time. There's a hugely diverse range of games to play on your iPhone or iPad (check out a list of games that work particularly well on iPad here), which means there's something for everyone. There are games that give you deep roleplaying experiences and there are games to pick up and play for two minutes at a time -- plus everything in between.
Florence
Price: $3
Annapurna Interactive
Florence is a game so nice that it's been ported to other platforms -- namely Windows, MacOS and the Switch. That's something you can say about few other games that were designed for iOS. It's a game that follows 25-year-old Florence Yeoh as she falls in love with a cellist named Krish. The gameplay takes the form as minigames that progress the story and all up it'll take about 40 minutes to finish. But it's a 40 minutes you won't soon forget.
Call of Duty Mobile
Price: Free
Activision Blizzard
The latest Call of Duty to hit consoles is the World War 2-era Vanguard, but you don't need to shell out $60 to play Call of Duty. The free-to-play mobile title is obviously not as technically breathtaking as its console brethren, but it gets a lot out of your mobile's hardware. More importantly, it plays surprisingly well. It features popular maps from previous Call of Duty games, and has a control scheme that makes playing on your phone much less awkward than you'd expect.
Tetris Beat
Price: Apple Arcade subscription ($5 a month)
Apple
You already know if you'll like Tetris Beat or not because it is, among other things, Tetris. As you can tell by the name, this take on the classic puzzle game integrates music, with three modes all designed around playing Tetris in tune with a beat. Tetris Beat is a fantastic addition to any home screen because it's easy to pick up and play -- and doesn't require you to return each and every day if you don't feel like it.
Slayaway Camp
Price: $3
Blue Wizard Digital LP
In Slayaway Camp, you play the villain in a series of slasher movies and you need to hit all the teen counselors at a summer camp. The graphics are voxel-based, which keeps the gore-fest entertainingly cartoony and every detail has been lovingly thought about -- from the "rewind" option when you fall to the scattered bones you leave in your wake. Some levels have limits or special features (such as fires) to help you dispatch your victims (and provide hazards that you need to avoid yourself) and you can even earn coins to unlock special kills. For such a bloodthirsty premise, it's an utter joy.
PUBG
Price: Free
PUBG Mobile
You can't go very far in gaming without finding a battle royale right now and PlayerUnknown's Battlegrounds, better known as PUBG, was the game that kicked off the trend. It's since been eclipsed in popularity by Fortnite -- which is notoriously unavailable on iOS and Android -- but remains a reliably good time. One hundred people are dropped into an area, the last one standing is the winner. Enjoy your chicken dinner!
Fantasian
Price: Apple Arcade subscription ($5 a month)
After three long years, Fantasian is finally on the way.
Apple
Fantasian hit Apple Arcade with a huge amount of hype, thanks in large part to it being written by Final Fantasy creator Hironobu Sakaguchi. Released over two parts -- the first in April, the second in August -- this is a fully featured JRPG. It'll take you over 40 hours to finish, during which time you'll slay many a beast and see several beautifully crafted environments. Really, the art style is something special: The team created over 100 dioramas and scanned them to create pre-rendered backgrounds. It's worth downloading just to look at, if nothing else.
Clusterduck
Price: Free
PikPok
Between this, Untitled Goose Game and The Falconeer, our avian friends are really enjoying some time in the sun. Clusterduck is a weird game: It's all about hatching duck eggs. The more eggs are hatched, the more mutations occur, the more chaos ensues. It's quirky, silly fun.
Hyper Light Drifter
Price: $5
Heart Machine
There's one thing you'll ask yourself as you play through Hyper Light Drifter: What the hell is going on? It's a game that seems to take pleasure in giving you almost nothing to work with, in forcing you to figure everything out on your own. That means story and gameplay too. But those who manage to hang in there will be rewarded with a beautifully atmospheric adventure, one animated by pixelated '80s anime art style.
Rolling Sky 2
Price: Free
Cheetah Technology
Published in 2019, Rolling Sky 2 is a throwback to mobile games developed a decade ago. It's a runner game, meaning the character on screen is forever running forward and it's your job to guide them past dangerous obstacles and traps. The mechanics are simply -- simply move your finger from side to side -- but the onscreen flourishes are not. Rolling Sky 2 integrates music and a beautiful art style to make this simple experience a satisfying one too.
Out There
Price: $1
Mi-Cos Studio
Out There is a game about survival and strategy, carefully managing your resources as you travel the stars. It's also a tale of ultimate, lonely isolation. It tells the tale of an astronaut who wakes from cryosleep to find that he's no longer in orbit around Jovian moon Ganymede -- in fact, he's not even in the solar system. He has no idea where he is and has only unreliable alien technology as a guide home. You have to carefully manoeuvre through dangerous situations and manage resources as you navigate the stars -- because when your astronaut dies, it's game over. And all the while, you have no way of knowing if what you seek is truly the way home.
Mini Motorways
Price: Apple Arcade subscription ($5 a month)
Dinosaur Polo Club Twitter
Finally, a game for all the kids who dreamed of growing up to be a traffic engineer. Mini Motorways is a strategy puzzle game that's all about building the best road layout for growing cities. If building houses that connect houses to buildings doesn't sound like your idea of fun, Mini Motorways' charming visuals and score will absolutely win you over.
Her Story
Price: $4
Sam Barlow
Her Story is a game about a video search engine. Well, that and a murder. A woman's husband was killed and she's a suspect. Your job is to sift through video footage of police interviewing said woman. You do this by typing words into a search engine and watching the videos that pop up -- which will give you more clues and in turn lead to more searches. Basic gameplay, but incredibly creative storytelling: Her Story was won many accolades, including being named GameSpot's Game of the Month in June of 2015.
Animal Crossing: Pocket Camp
Price: Free
Nintendo
Animal Crossing was always big, but last year's New Horizons boosted the franchise into a new stratosphere of popularity. If you've wanted to play Animal Crossing but don't have a Switch, note that Animal Crossing: Pocket Camp is still very much viable, despite being released in 2017. It's a smaller scale experience than New Horizons, as you'll be building a campsite rather than an entire island, but it's full of the same charm that's made Animal Crossing a titan.
Alto's Odyssey
Price: $5
Snowman
Alto's Odyssey is a followup game to Alto's Adventure. Both are very similar: They're endless runners, except instead of running it's downhill boarding. Odyssey takes place in the desert, so you're sandboarding, while Adventure has Alto snowboarding. Most importantly, both have a striking, mesmorizing visual style. This is a great game to download for easy pick-up-and-play sessions.
Helix Jump
Price: Free
Voodoo
Helix Jump by Voodoo is a tactile puzzle game that's incredibly deceptive in its simplicity. The goal is to bounce a ball down a labyrinth by falling strategically through the cracks on each level without falling on a red zone. Sounds easy, right? Not so fast. With the fun frustration that came with tap and drag games like Flappy Bird and many others since, Helix Jump will have you screaming at the screen, then coming back for "just one more." The haptic response when the ball bounces is also a nice touch.
Oxenfree
Price: Free
Night School Studio
A group of friends hanging out on a beach take a turn for the worse when the teens accidentally open a ghostly rift. Soon the group is fighting for survival, struggling through time loops and doubting if everyone is truly who they say they are. Oxenfree calls itself a "supernatural teen thriller," but deftly avoids tropes and cliches, providing characters with depth and a fascinating, eerie plot. It's a quick game you could play in one sitting, but there's multiple endings so you can always go back.
A Normally Lost Phone
Plug In Digital
Price: $2
Like many games on this list, A Normally Lost Phone is all about narrative. Moreso than other entries here though, this really is a case of "the less you know the better". There are two things you need to know: first, that it's a game about discovering a phone and piecing together information about its owner. Second, it's absolutely worth a download.
What Remains of Edith Finch
Price: $5
Gamespot
What Remains of Edith Finch rules. Through a series of minigames, it recounts the history of the Finch family and the alleged curse that led to its downfall. It'll take you about two hours to beat What Remains of Edith Finch and the game takes you on a remarkable emotional journey during that time. Sadness, laughter, horror and hope; you'll feel it all.
Framed
Loveshack
Price: $4
Words can't do Framed justice: It really is one of the more unusual concepts we have seen in some time. The entire game takes place without words, as it's laid out as a completely wordless noir comic, with our protagonists avoiding being spotted by law while double-crossing each other. Gameplay is not action-based, but context-based. You have to examine each page, shifting the panels around to make sure that events occur in the order that sees our hero escape clean, getting the jump on police or sneaking past. Although it may sound good, that's nothing compared to how satisfying it is to experience.
And if you dig it, a sequel, Framed 2, was released in 2017.
League of Legends: Wild Rift
Riot Games
Price: Free
There's not much to say about League of Legends: Wild Rift outside of the fact that it's a modified version of the insanely popular League of Legends PC game. Do you like League of Legends? Have you ever wanted to try it? If the answer to either question is a yes, Wild Rift is for you.
Hearthstone
Price: Free
Activision Blizzard
Hearthstone is a spinoff of the Warcraft franchise, a card game building on the lore of Blizzard's wildly popular MMO series. It's unusual for a mobile game in that it's become an esports staple, with the player count reaching 100 million in 2018. Yes, it's a bit overwhelming to start Hearthstone in 2021, but Blizzard has updates planned up through 2023, so it's worth the time investment.
Monument Valley 2
Price: $5
ustwo games
Monument Valley was a smash hit when it came out in 2014, combining clever puzzles with simple-but-striking visuals. Its sequel, 2017's Monument Valley 2, adds to it with even more visual flair and, perhaps more significantly, a more pronounced story. Monument Valley is about solving puzzles and it's also a game about mothers and daughters, and the ties between on generation and the next.
Pokemon Go
Price: Free
Niantic
OK, I know what you're thinking. You already know about Pokemon Go -- like approximately everyone on planet Earth, you probably gave it a go in 2016. But Pokemon Go was far more than a temporary phenom, and in fact had its most profitable year in 2020. Developer Niantic has drastically improved the game over the years, adding new Pokemon, integrated Pokemon battles with human and AI trainers, community events, raids and more. Give Go another chance.
Buying a Home or Refinancing? Here's How to Find the Right Home Loan
Buying a Home or Refinancing? Here's How to Find the Right Home Loan
Navigating the world of home-buying could be an Olympic sport. There are so many different regulations, guidelines and fees to keep track of -- and by the time you master one part, there are new rules to learn. And, with mortgage rates predicted to continue rising, particularly as the Fed looks to increase rates as early as March, locking in a rate sooner rather than later may save you tens of thousands in interest.
When searching for the right home loan, you're bound to come across many options. But not every mortgage is right for every person -- you'll want to learn more about the different types of home loans to decide which one is right for you. This guide will help break down several of the most common home loan types, while explaining what's required for approval and who each type is best for.
Read more: Mortgages, Credit Scores and Down Payments: 5 Things to Know Before Buying a Home
1. Conventional loan
What it is: A conventional loan is a loan that isn't backed by a government agency. These are the most common type of loan. Conventional loan terms come in 10-, 15-, 20- and 30-year terms, with 30-year terms being the most popular option.
What you need: You can get a conventional loan with as little as 3% down payment and a 620 credit score. But the lower your credit score, the more money you might need for a down payment.
Who it's good for: The majority of home loans -- around 75% -- are conventional loans, so it's good for most people. You can use it for your first home, second home and even investment properties.
Who should skip it: Borrowers who don't have the minimum credit score requirements or need payment assistance.
2. FHA loan
What it is: An FHA loan is backed by the Federal Housing Administration, which provides mortgage insurance to lenders who provide FHA loans. It's the largest mortgage insurer in the world. Loans are administered by FHA-approved lenders. This can be local banks, credit unions and online lenders. Loans come in 15- and 30-year terms.
What you need: To secure a 3.5% down payment rate, your credit score will need to be 580 or above. If it's below 580, you can still qualify, but you'll need at least a 10% down payment. For down payments of less than 20%, your loan will require private mortgage insurance. PMI protects the lender just in case you default on your loan. PMI will get removed from your mortgage payments once you have at least 20% equity in your home.
Who it's good for: Borrowers who don't have strong enough credit to qualify for a conventional loan. FHA loans also offer down payment loans and grants through federal, state and local programs whereas conventional loans don't.
Who should skip it: If you have good or excellent credit that would qualify you for a conventional loan.
Check out our full guide to FHA loans.
3. VA loan
What it is: VA loans are offered through the US Department of Veterans Affairs. Military veterans, those in active duty or in the reserves qualify for VA loans.
What you need: There's no down payment or minimum credit score requirement to get a VA loan.
Who it's good for: Those who serve or have served in the military.
Who should skip it: Borrowers who aren't in the military, obviously. VA loans are only good on primary residences so if you need funding for a second home or investment property, you'll need to look at other options.
Check out our full guide to VA loans.
4. USDA loans
What it is: USDA loans are funded by the US Department of Agriculture. They're available in specific regions across the country. They're made for borrowers in mostly rural areas who might not otherwise qualify for a traditional loan. Loans are backed by USDA-approved lenders (similar to FHA-backed loans). You can check to see if you'd qualify by checking the eligibility site.
What you need: There's no down payment required for a USDA loan. Most lenders require at least a fair credit score.
Who it's good for: Families in rural areas as long as you meet income and location limits.
Who should skip it: Those who don't meet the location and income requirements. If you qualify for one and not the other, you also might want to look into alternative loan options.
Check out our full guide to USDA loans.
Other loan types to know about
As well as being based on a government (or nongovernment) program, mortgages can be categorized by interest rates and how much the home price is. Those are:
Fixed-rate loans: These are the most common type of loan within a conventional mortgage. Fixed-rate loans means you'll pay the same interest rate every month for the life of the loan. The only time your interest rate will change is if you refinance your mortgage.
Adjustable-rate mortgages: ARMs have a fixed interest rate for a set amount of time and then the interest rate fluctuates periodically. They usually start out lower than standard fixed-rate mortgages but can change over time based on a benchmark. A 5/1 ARM means the first five years have a fixed rate and then a variable interest rate that changes every year after that.
Jumbo loans: This is a mortgage that finances a property that's too expensive for a traditional loan. The qualifications for jumbo loans tend to be more strict. For most lenders, you'll need a credit score of at least 700 and usually a 20% down payment. Jumbo loans start where conforming loans end, which is different depending on where you are. Jumbo loans can have fixed or adjustable rates.
Joe manchin ev tax credit joe manchin ev tax credit lud joe manchin ev tax credit ludicr joe manchin ev tax credit ludicro joe manchin ev tax credit ludicr joe manchin ev tax credit lud joe manchin ev tax cr ev federal tax credit 2022 joe manchin ev tax credits by state ev tax credits 2022 irs ev tax credits 2021
EV tax credits: Manchin a no on Build Back Better bill, putting $12,500 incentive in doubt
EV tax credits: Manchin a no on Build Back Better bill, putting $12,500 incentive in doubt
President' Biden's Build Back Better bill is on life support following comments from West Virginia's Democratic Senator Joe Manchin. During an interview on Sunday, the senator said he plans to vote no on the spending plan, which includes a $12,500 refundable tax credit for electric vehicle purchases. With Manchin's decision seemingly final, it's unclear where the bill goes from here. Biden needs every Democrat in the Senate to vote for the measure with the party's slim majority. Read on for the latest.
Is the EV tax credit amount increasing?
As of Dec. 19, it's a solid maybe. The Build Back Better bill includes a $12,500 EV tax credit, up from the current $7,500 available to qualifying cars and buyers. Its inclusion comes as the bill sheds multiple other elements to compromise with various Democrats, though the bill could wind up dead in the coming weeks after Manchin's comments.
Here's how the proposed changes shake out, and keep in mind, they may change yet. The base amount remains $4,000, as it is today, with another $3,500 available if the EV's battery pack includes at least 40 kilowatt-hours of capacity. In the case of plug-in hybrids, the gas tank cannot exceed 2.5 gallons. This is for cars placed in service before 2027. Now comes the $5,000 boost. EVs and consumers will be able to qualify for another $4,500 in the tax credit if an automaker makes the EV in the US with a union workforce. Another $500 comes into play for automakers using a US-made battery, for a maximum of $12,500 available. Today, the only car that would qualify for anywhere near the full proposed credit is the Chevrolet Bolt EV and Bolt EUV. This provision would, notably, exclude Tesla and even the Ford Mustang Mach-E, since it's assembled in Mexico.
In other changes made last week in the House, Democrats increased the price cap for qualifying EVs. The new language allows for vans, trucks and SUVs with a manufacturer's suggested retail price of up to $80,000 to qualify for the $12,500 credit. Previously, the initial framework set a limit of $64,000 for vans, $69,000 for SUVs and $74,000 for pickup trucks.
The Democrats also reduced income eligibility to claim the full credit. Single filers with adjusted gross annual incomes of $250,000 or more, or joint filers with AGIs of $500,000, will not be eligible for the full credit. The dollar figures are down sharply from $400,000 for single filers and $800,000 for joint filers.
The US House passed the bill back on Nov. 19 with these EV tax credit changes, but it's sat in the Senate since then. Despite discussions and president working with moderate Democrats such as Manchin, it appears it's not enough. Biden needs every single Democrat to vote yes on the bill, which would allow Vice President Kamala Harris to break a tie in the senate. There is no Republican support for the bill. The president remains keen to incentivize EV purchases as part of a $555 billion investment into actions to combat climate change, also part of the bill.
Democrats hoped to hold a vote before Christmas on Build Back Better in the senate, but that's really in limbo now.
Is the EV tax credit refundable or nonrefundable?
Currently, the tax credit is a nonrefundable credit when you file your taxes. That means that the government does not cut you a check for $7,500 -- all it does right now is reduce your federal tax bill.
However, the latest version of the Build Back Better bill with new House language turns the EV tax credit into a refundable one. With this change, it wouldn't matter if an EV buyer owes the feds or not -- anyone who buys an EV will be potentially eligible for at least $4,000 in their pocket. The change would move the tax credit much closer to a point-of-sale incentive, and with the right qualifying EV, buyers could receive a max of $12,500 back from the government for buying a battery-powered car.
What if I owe money at tax time when claiming the credit?
Until we know if the Build Back Better bill passes both chambers, this is the best-case scenario, actually. The EV tax credit is currently a nonrefundable credit, so the government does not cut you a check for the balance. Let's say you owed the federal government $10,000 in taxes when filing your 2021 taxes. Let's also say you purchased a Ford Mustang Mach-E in 2021, which is eligible for the full $7,500 credit amount. Your federal tax balance would then fall to $2,500 owed. If you owe under $7,500, the EV tax credit would wipe that away entirely to a $0 balance, even if it takes care of the tax bill and then some. Presently, purchasing an EV can wipe away tax bills, but it does not put cash directly into your pocket. Keep that in mind if you're someone who typically receives a federal refund when filing taxes.
However, with the latest changes, the credit would become a refundable credit. So, using our Mustang Mach-E example, let's say you owed $1,000 in federal taxes and purchased the electric SUV. It's still eligible for the $7,500. The updated EV tax credit would provide you $6,500 back in your pocket at tax time.
Why is my Tesla not eligible for the tax credit?
Tesla is by far the largest EV maker in the US today. However, those who purchase an EV from the automaker will not be eligible to claim the car on their taxes. That's because the current law for the credits phases them out after a particular automaker sells over 200,000 qualifying vehicles. In Tesla's case, it sold its last qualifying vehicle back in 2019, leaving no additional tax credits to take advantage of. The same goes for General Motors. A Chevy, GMC, Buick or Cadillac EV is not eligible for the EV tax credit as of today. The automakers continue to lobby for new legislation to make credits available to them once again.
Changes to the EV tax credits would again open the door to Tesla's eligibility, and to GM's. The changes would also keep these credits open for 10 years, with eligibility for any EV in the first five years. During the last five years, the credits would only apply to US-made EVs. In other words, Tesla and Tesla buyers would benefit greatly from the Build Back Better bill.
What is the EV tax credit?
Internal Revenue Code Section 30D provides a tax credit to any person who purchased a qualifying EV during the year. It includes passenger vehicles and light-duty trucks. The credit first came to life with the Energy Improvement and Extension Act of 2008, and amendments came with the American Recovery and Reinvestment Act of 2009. The latter really gave us the tax credits as we know them today.
As it stands, the credit provides up to $7,500 in a tax credit when you claim an EV purchase on taxes filed for the year you acquired the vehicle. So, if you bought an EV this year, in 2021, you would claim the purchase when filing your 2021 taxes next year.
How do I get the full $7,500 tax credit today?
The Internal Revenue Service's Form 8936 is how you calculate how much money back you'll receive, which you'll need to fill out and file with your taxes. Every vehicle with a plug earns a minimum of $2,500 from the EV tax credit -- that includes a plug-in hybrid, not just a totally battery-electric vehicle. The vehicle must include at least 5 kilowatt-hours worth of power from its onboard battery. However, the government adds money to the credit for each additional kWh worth of energy packed into a battery. For every extra kWh, the tax credit increases by $417. This is where the dollar figures can shift around since it depends on the vehicle, not your finances.
For example, a Kia Niro plug-in hybrid is eligible for $4,543 from the tax credit, due to its battery size. PHEVs often have smaller batteries than EVs, since they share powertrain efforts with an internal-combustion engine. But, the Kia Niro EV is eligible for the full $7,500 tax credit because of its larger battery size. The government caps the credit at $7,500 maximum. Even for EVs with giant batteries, they aren't candidates for more money. In most cases, pure EVs are the target cars for the total cash back from the tax credit.
The qualifications will change with the Build Back Better bill, but we'll need to wait to see what the final changes are.
Do EVs have federal subsidies?
Biden's proposed American Jobs Plan included $100 billion in subsidies for EV buyers. However, on June 24, the president agreed to a bipartisan effort that does not include these subsidies. Subsidies then made their way into early language of what became Biden's Build Back Better bill, but they are not included any longer.
Are used electric cars eligible for the tax credit?
Like leasing an EV, buying a used electric car also does not allow you to claim the traditional EV tax credit in any way. But, the Build Back Better bill would change this. Right now, the bill includes a $2,000 credit for used EVs at least two years old that cost under $25,000. There's an extra $2,000 available if the EV includes at least a 40 kilowatt-hour battery for a total of $4,000 available for qualifying EVs.
Can I lease an EV and claim the tax credit?
There is no tax credit if you decide to lease a new electric vehicle. Instead, the tax credit actually goes back to the automaker or lender financing the leased vehicle. To earn the tax credit benefit yourself, you need to purchase an EV -- not lease one.
What are the state EV credits and incentives?
Many states and even local governments looking to speed up EV adoption rates offer their own incentives. California is a leader in incentivizing EV purchases with a direct consumer rebate up to $4,500, for example, through the Clean Vehicle Rebate Project. There is currently a waitlist for applications, however. Colorado, Washington and New England states also offer some generous state incentives that you can combine with the federal EV tax credit. Even your local utility company may subsidize an EV purchase.
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2022 Video Game Release Date Schedule: The Biggest Titles Still to Come
2022 Video Game Release Date Schedule: The Biggest Titles Still to Come
The last month has seen a trickle of noteworthy games hit store shelves: Saint's Row, Xenoblade Chronicles 3 and, on Friday, The Last of Us Part 1 Remake. That trickle will soon become more of a flood, as the final three months of the year are the most eventful of the year. There's God of War: Ragnarok, Call of Duty: Modern Warfare 2, new Pokemon games, and much more.
That's great news for gamers, who've had to deal with something of a games drought in 2022. The year started off hot with Pokemon Legends: Arceus, Horizon Forbidden West and eventually Elden Ring, which sucked up the industry's oxygen for at least a quarter. It's been slim pickings for the last four or five months, but that's thankfully about to change.
Here are all the gaming release dates of 2022 you need to know, including the games which have been unfortunately kicked to 2023.
Splatoon 3
Release date: Sept. 9
Nintendo
Splatoon's high concept is genius -- and extremely Nintendo. It takes the traditionally violent first-person shooter and flips it on its head. You're shooting paint, not bullets. You don't score points for shooting enemies, you score points by shooting the environment itself. Splatoon 2 is one of the Nintendo Switch's essential family fun games, though it soon may be usurped by Splatoon 3, which hits the Switch on Sept. 9.
Overwatch 2
Release date: Oct. 4
Blizzard
Overwatch rules, we all know this. Overwatch 2 tweaks the format, making the squad-based shooter a 5v5 affair instead of the original's 6v6. It also adds co-op gameplay, in case you want to shoot with your buds instead of against them. The biggest change is that you won't have to pay to play Overwatch 2. Blizzard is shifting to a free-to-play model with battle passes and new content every season. Players will get a new hero or map every nine weeks, with the developers committing to updates in perpetuity. The hope is that the new model will combat the content drought that plagued the original.
Overwatch 2 launches on PlayStation 4 and 5, Xbox One, Xbox Series X and S, the Nintendo Switch and PC.
Mario + Rabbids: Sparks of Hope
Release date: Oct. 20
Mario + Rabbids: Kingdom Battle was a brilliant game, melding the two beloved franchises with surprisingly deep strategy gameplay. Sparks of Hope takes the cast of characters out of the Mushroom Kingdom and into outer space, though the scenery isn't the only change. The game will add a heavier dose of combat into its strategy gameplay, as seen in a recent trailer, but hopefully will retain the charm that made the first one so lovable.
High on Life
Release date: Oct. 25
In a year filled with Gods of War and Calls of Duty, it's nice to mix some new IP in. High on Life is a first-person shooter devised by Justin Roiland, the co-creator of Rick and Morty. The trailer makes the game look exactly like you might think: a quirky, colorful sci-fi adventure. High on Life is exclusive to Xbox, though it'll be available on both Xbox One and Xbox Series X and S.
Gotham Knights
Release date: Oct. 25.
Warner Bros.
The Suicide Squad game was delayed until 2023, but DC fans aren't completely out of luck. Batman is apparently dead in Gotham Knights, which means others need to fill the Caped Crusader's shoes. With no Batman, you'll play as Robin, Nightwing, Red Hood and Batgirl are in charge of protecting Gotham. This open-world RPG sees you play as all four chracters, each with different strengths and weaknesses, and encourages co-op play. It's out on PlayStation 5, Xbox Series X|S and PC on Oct. 25.
Bayonetta 3
Release date: Oct. 28.
Bayonetta 2 was a classic example of a must-play game not getting its due because it launched on the Wii-U. Bayonetta 3, its sequel, has a better chance of getting a true moment in the sun when it hits the Switch on Oct. 28. The hack-and-slash game looks absolutely bananas, as its predecessors were, though it may stumble over its incomprehensibility to newcomers. There are multiple timelines converging here, which means if you're new to the franchise you may have to do some YouTubing to make sense of some things. If it's as good as Bayonetta 2, however, that work will be worth it.
Call of Duty: Modern Warfare 2
Release date: Oct. 28
Activision
It feels silly, at this point, to write a little blurb about what to expect from Call of Duty: Modern Warfare 2. It's the 19th game in the illustrious franchise, and takes the series out of Vanguard's World War 2 setting and sets it in... modern warfare.
If you like Call of Duty games, the next one is out on Oct. 28.
Sonic Frontiers
Release date: Nov. 8.
Sega is once again trying to make Sonic happen again. Bless them for it -- because nothing would please us more than Sonic Frontiers being a must-play game. It's ironic that the game is called Frontiers, since its big hook is that it removes barriers and lets Sonic roam an open world. Could it be the blue hedgehog's Breath of the Wild? Probably not, but that doesn't mean it can't be fun.
God of War: Ragnarok
Release date: Nov. 9
Kratos has the hardest job of all in Ragnarok: parenting a teen.
PlayStation/Sony Santa Monica Studios
Ragnarok is a followup to God of War, one of the PlayStation 4's best games. There's a lot going on in Ragnarok: The world is potentially ending, Kratos is seeking the Norse God of War, and a very angry Thor is hot on his track. It's the second and final God of War set in Norse mythology and was originally meant to hit the PS4 and PS5 last year. It'll be one of the year's highlights if it can recapture the greatness of its predecessor.
Pokemon Scarlet and Violet
Release date: Nov. 18
The three starter Pokemon from Scarlet and Violet.
Nintendo
Pokemon Legends: Arceus was clearly a pivot by Nintendo. It's no surprise that the next Pokemon games, Scarlet and Violet, adopt the real-time action template of Legends: Arceus -- but it is a big surprise that we're getting the new Pokemon games so soon. Pokemon Scarlet and Violet hit the Nintendo Switch on Nov. 18, about 10 months after Legends: Arceus. We don't know too much about the games yet, other than some sneak peeks into its starter and legendary Pokemon, but that's nothing a surprise Nintendo Direct presentation can't fix.
Final Fantasy 7: Crisis Core Reunion
Release date: TBC (2022)
Final Fantasy 7: Rebirth is the long-awaited sequel to 2020's Remake, and will hit the PlayStation 5 next winter. To give fans a little something while they wait, Square Enix is bringing out a remake of Crisis Core: Final Fantasy 7. Crisis Core, originally released for the PSP in 2007, is a prequel to Final Fantasy 7, and focuses on Zack Faire, a mentor to Cloud Strife. The remake is a big deal because Square Enix has been uncharacteristically coy about remastering the game, or porting it to any other platform. If you've wanted to play Crisis Core in the past 15 years, you needed to own a PSP. That'll change with Crisis Core Reunion, which hits PlayStation 4 and 5, Xbox One, Xbox Series X and S, the Nintendo Switch and Windows late this year.
Delayed to 2023
Many games that were promised for 2022 have been delayed to the next calendar year.
Hogwarts Legacy
Release date: February, 2023.
Hogwarts Legacy is one of many games pushed from its original 2021 release date.
Warner Bros.
Hogwarts Legacy is an ambitious game. It's open world, and set in 19th century Hogwarts, many years before the emergence of He Who Must Not Be Named and The Boy Who Lived. Harry Potter fans are understandably excited at the prospect of exploring a living, breathing Hogwarts, learning spells and taming magical beasts. Partially due to those high expectations, the game was delayed from its original 2021 release window -- twice. It's now set for a February, 2023 launch on Xbox and PlayStation consoles. A later release on the Switch is planned too.
Starfield
Release date: First half of 2023
Starfield is "Skyrim in space."
Bethesda
Starfield was one of the most hyped games of the year. A new IP from Bethesda, creator of Fallout and The Elder Scrolls, it's been described as "Skyrim in Space." But ambitious games take time. Originally slated for a November release, Starfield is now scheduled to hit Xbox One, X and S, and PC in the first half of 2023.
Redfall
Release date: First half of 2023
Redfall is a team shooter from the company that brought you Dishonored and Deathloop. It's centered around a zombie invasion of the town of Redfall, Massachusetts, and will be first-person, open world and best played with friends. The trailer hints at a game brimming with charm and character -- but we'll have to wait until 2023 to experience it properly.
Suicide Squad: Kill the Justice League
Release date: First half of 2023
In 2021 the Guardians of the Galaxy got to shine. This year was meant to be the Suicide Squad's turn, but Kill the Justice League is now delayed until 2023.
Featuring the baddies from the recent flicks, including Harley Quinn, King Shark and Deadshot, you'll act as a team to take down the Justice League. The most recent trailer saw the Suicide Squad's attempt to neutralize The Flash. The dynamic combat looks extremely dope.
The Legend of Zelda: Breath of the Wild 2
Release date: 2023
Please.
Nintendo
It's the sequel to one of the best games of all time, and Nintendo said it would come out in 2022. We all knew, deep down in our hearts, that might not happen. In March it was made official: Breath of the Wild 2 is a 2023 game.
