Many of us dream of owning our home, but it’s getting harder to achieve. Renting means following the rules, not being able to decorate and having restrictions on pets. Buying a hou... The amount of money you spend upfront to purchase a home. Most home loans require a down payment of at least 3%. A 20% down payment is ideal to lower your monthly payment, avoid private mortgage insurance and increase your affordability. For a $250,000 home, a down payment of 3% is $7,500 and a down payment of 20% is $50,000. There are many steps that go into buying land to build a house and it’s easy to become overwhelmed. The first major step is to identify where you want to live and …Jan 8, 2024 · A home equity line of credit, or HELOC, is a second mortgage that gives you access to cash based on the value of your home. (It can also be a primary mortgage if you own your home outright.) You ... Statistics taken between 2004 and 2017 show a steady decline in homeownership in America, which is probably due to the costs attached to getting your first property. One of the bes...This estimated figure represents the cost of building the home, and is broken down as follows: Expense. Cost. Description. Site Work. $16,092. Everything needed to get started building a home, including building permit fees, water and sewer inspection fees, architecture and engineering plans. Foundations. $33,447.Building your own house (construction mortgages) An RBC Royal Bank ® construction mortgage 1 can provide the financing you need to create the custom house you want. Many Canadians are choosing to build custom houses with special features to suit their lifestyles and personal tastes. While building your own …Prices vary as widely as home styles. The average tiny house costs between $10,000 and $30,000 if you build it yourself, according to the tiny house blog The Tiny Life. Costs double if you hire a ...2. Cash-out refinance. If the value of your primary residence has increased, one financing option for your flip is a cash-out refinance. This lets you tap the equity in your home by refinancing ...Habitat’s homeowner selection is managed at the local level, through our hundreds of local Habitat for Humanity locations all over the U.S. and around the world. For more information and to learn more about the process or how you can apply, please contact your local Habitat, or call 1-800-HABITAT (1-800-422-4828).A FHA loan is one which is insured by the Federal Housing Administration. FHA does not actually loan the money itself, but rather insures home mortgage loans issued by banks and ot...Q. What is a construction loan? ... Construction loans are generally made for a 12-month term with interest paid monthly. The monthly interest payment is based on ...With any construction loans, it is typical for lenders to require oversight and approval of all building plans, site measurements, financial documentation, and partner with preferred …Lenders will look at your credit score and history, your income and employment, your debt-to-income ratio, and your ability to make a down payment to determine if you qualify and for how much ...The FHA Construction-to-Permanent program aids contractors with a smooth, beginning-to-end process that lets consumers buy and build a house that they like all in one single mortgage. Sellers and buyers can make contributions of up to 6% toward closing costs and prepaid items. All funds beyond that are reduced from …Lenient credit score requirements: The FHA construction loan is accommodating for borrowers with lower credit scores, accepting a minimum credit score of 500 with a 10% down payment. For scores of ...Our single-close construction loan program allows you to: · Build a single-family, primary or second home · Finance the purchase of land or use the equity in your&nbs...The contract is necessary to apply and close your loan because certain aspects of the construction process will affect your loan for building a house terms, such as the start and completion dates and the contract amount. 4. Hire a Reputable Contractor.Apply for Self-Build Construction Loan · Complete a mortgage application. · Make sure to include all financial information requested and any other documentation ...Jul 31, 2022 · A construction loan, also known as a construction-to-permanent loan, a self-build loan, or a construction mortgage, is one of these. A construction loan is typically a short-term loan (usually the ... A VA construction loan is a short-term loan allowing Veterans to purchase land and build a custom home as their primary residence. In many cases, there are separate closings (and associated …Sep 9, 2020 ... Owner builder loans are for borrowers wanting to build their own home without a general contractor. Banks and credit unions sometimes do not ...Ask for PMI to be removed. Request that your lender or servicer remove PMI once you reach 20% equity through making extra payments or home appreciation. 3. Make Biweekly Payments. Making biweekly ...While a traditional mortgage finances buying a house, a construction loan provides money for building a house. Construction loans have shorter terms and higher ...Key takeaways. An FHA construction loan is insured by the Federal Housing Administration and covers the cost of the land purchase, building materials, contractor and other labor costs and permits ...Construction Loan. Construction loans are short-term loans that cover the costs of building a home. Instead of delivering the funds in a lump sum, lenders give the money in stages as the home is being constructed. Construction loans can be structured in such a way as to also allow the borrower to purchase …Step 3: Check your credit score. A good credit score is essential for obtaining a home equity loan with favorable terms. Check your credit report for any errors and take steps to improve your ...Is a hustling, bustling city the type of area you want to call home, or would you feel more settled surrounded by peaceful and pastoral landscapes? If the latter sounds appealing, ... How much money you can get. You can only get an equity loan if you’re also able to get a mortgage for the home you want to build. You can apply for between 5% and 20% of the estimated land and ... A land loan is a type of credit that is used to finance the purchase of a plot of land. It’s sometimes called a lot loan. You can take out a land loan if you’re interested in buying a piece of ...After the designs and blueprints have been finalized and your permits have been approved, that's when construction starts and your home begins to take shape, generally following these steps: 1. Land prep. The first step in the construction process is getting the land ready.Jun 9, 2023 · Step 3: Research and hire the building team. Building a home is a huge project, and the average build will involve 22 subcontractors working on the home. The first person you’ll need to hire is the general contractor or a custom home builder. They will oversee the construction of your home from start to finish. A traditional mortgage, also called a permanent loan, will help you buy an existing house. However, if you need to build a new house from the ground up, ...Jul 31, 2022 · A construction loan, also known as a construction-to-permanent loan, a self-build loan, or a construction mortgage, is one of these. A construction loan is typically a short-term loan (usually the ... Building your own house (construction mortgages) An RBC Royal Bank ® construction mortgage 1 can provide the financing you need to create the custom house you want. Many Canadians are choosing to build custom houses with special features to suit their lifestyles and personal tastes. While building your own …FHA construction loan. For buying land and building a house, an FHA One-Time Close Loan might work for you. This is one way to buy the land and cover construction costs in a single mortgage. As with other FHA loans, it’s possible to get a mortgage with a down payment of 3.5%.Construction Loan. We will finance up to 75% of land costs (plus up to 100% of vertical costs ) for qualified builders. Subordination / Seller Financing. This is a way to get more financing ! The land seller is essentially providing seller-financing on ALL the land while Builder Finance may provide nearly ALL the funds for vertical construction.Learn about different types of construction loans, how they work and how to choose a lender. Compare interest rates, fees and …With any construction loans, it is typical for lenders to require oversight and approval of all building plans, site measurements, financial documentation, and partner with preferred …Under a global settlement agreement, the National Association Realtors will pay $418 million in damages and rewrite a number of rules that have long been the …The first step to calculating the cost of building a house is to create an estimated cost breakdown. This breakdown includes hard costs such as labor and materials and soft costs s...A construction loan (also known as a “self-build loan") is a short-term loan used to finance the building of a home or another real estate project.Jul 24, 2023 · 2. Approving the Building Plans. Once you’ve chosen a builder, you will need to work with them to get the design plans and budget drawn up. The lender will require a comprehensive plan that includes the floor plans, materials used, and construction cost estimates before they will sign off on the loan. Typically, a construction loan is limited to a short term, often one year. Since a construction loan pays for the house to be built, there's no collateral. That ... Construction loans only cover the cost of land and construction, not living expenses while your house is being built. Many people, for example, plan to use the proceeds from the sale of their current home to help finance the construction of their new home. This allows them to make a larger down payment and reduce the size of their loan. A construction-to-permanent loan is the easier solution. One of the simplest ways to fund construction on a new home is a construction-to-permanent loan. This is a loan you take out to fund ...A construction loan is a short-term financing that covers the costs of building a house from start to finish. Learn about the types, rates, requirements and pros an…When it comes to building a house, one of the most important steps is getting accurate construction estimates. These estimates provide you with an idea of how much your dream home ... Lenders will look at your credit score and history, your income and employment, your debt-to-income ratio, and your ability to make a down payment to determine if you qualify and for how much ... Income. To be eligible for a USDA construction loan, you’ll have to demonstrate low to moderate income based on the median household income (MHI) in your county. You also have to use the money ...Learn about different types of construction loans, how they work and how to choose a lender. Compare interest rates, fees and …Sep 2, 2023 · Step 4: Get pre-approved for a mortgage loan. This is not the same as step 2. Being pre-qualified and pre-approved for a loan are two different things. Pre-qualification offers a quick overview of your income, credit score, and expenses to determine the range for a loan amount. The home loan pre-approval process is more in-depth and takes more ... Save Money Both Now and Later. Owner-builder loans can save anywhere up to 40 percent of your construction costs, depending upon whether you do everything yourself, hire help, or enlist project management. General contractors alone may charge as much as 20 percent for their services, so the more you do, …Construction loan definition. In real estate, a construction loan is a specialized type of loan used to finance building residential property. They may also be called self-build construction loans, home-building loans , construction mortgages, “one-time close loan” or “two-time close loan.”. Either a professional builder or a consumer ...Mortgage insurance: The mandatory insurance to protect your lender's investment of 80% or more of the home's value. Escrow: The monthly cost of property taxes, HOA dues and homeowner's insurance. Payments: Multiply the years of your loan by 12 months to calculate the total number of payments. A 30-year term is 360 …Here are some other perks of the USDA one-time-close mortgage: • Include the closing costs in your financing (depending on how you want to structure the loan). This program may be used for modular and manufactured homes, too. There are income and property eligibility limits to the USDA program, so if you have any …Home equity lines of credit. A home equity line of credit (HELOC) is a revolving loan that is secured by the borrower’s equity in their home. The borrower can use the funds on an as-needed basis ...Call the VA’s helpdesk at 877-827-3702 ( TTY: 711 ). It’s open Monday through Friday, 8:00 a.m. to 6:00 p.m. ET. Nobody gets a VA loan without first obtaining a certificate of eligibility (COE ...Mar 4, 2024 · NerdWallet's Best Construction Mortgage Lenders of March 2024. Flagstar: Best for rate transparency. New American Funding: Best for customer satisfaction. US Bank: Best for jumbo lending. Wintrust ... Save Money Both Now and Later. Owner-builder loans can save anywhere up to 40 percent of your construction costs, depending upon whether you do everything yourself, hire help, or enlist project management. General contractors alone may charge as much as 20 percent for their services, so the more you do, …Is a hustling, bustling city the type of area you want to call home, or would you feel more settled surrounded by peaceful and pastoral landscapes? If the latter sounds appealing, ...Construction Loan. We will finance up to 75% of land costs (plus up to 100% of vertical costs ) for qualified builders. Subordination / Seller Financing. This is a way to get more financing ! The land seller is essentially providing seller-financing on ALL the land while Builder Finance may provide nearly ALL the funds for vertical construction.Nov 27, 2019 · After the designs and blueprints have been finalized and your permits have been approved, that's when construction starts and your home begins to take shape, generally following these steps: 1. Land prep. The first step in the construction process is getting the land ready. Construction loans only cover the cost of land and construction, not living expenses while your house is being built. Many people, for example, plan to use the proceeds from the sale of their current home to help finance the construction of their new home. This allows them to make a larger down payment and reduce the size …There are several credit reporting agencies and all use a slightly different set of ranges. While the specifics vary, these ranges from TransUnion ® offer an idea of what the numbers mean: 850 – 781: Excellent. 780 – 720: Very good. 719 – 658: Good. 657 – 601: Fair.FHA Construction Loans for Shouses. With an FHA construction loan, you only need a credit score of 500 and a 10% down payment. However, it includes additional requirements, including the need to own the land that you plan to build on before applying. You cannot get an FHA loan if the land is near an …Feb 23, 2021 · Here are three ways a rental property mortgage differs from a mortgage for your primary residence. 1. You May Have to Make a Larger Down Payment. In most cases, the minimum down payment required ... DIY projects are a great way to get creative and learn new skills. One of the most rewarding projects you can take on is building a bird house. Here’s how to get started. The first...2. Choose your land. Once you’re approved for a loan, you can use the proceeds to buy land. Most plots are acceptable, however, FHA construction loan rules don’t allow you to build a home on land if it’s near: A gas or oil well. An airport. An area prone to floods. 3. Choose a licensed contractor or builder.Overall, 91% of U.S. homeowners state that their houses need minor or major renovations, but figuring out how to cover the cost is challenging for many. As a result, not all of the...A construction-to-permanent loan is the easier solution. One of the simplest ways to fund construction on a new home is a construction-to-permanent loan. This is a loan you take out to fund ...Building your own house (construction mortgages) An RBC Royal Bank ® construction mortgage 1 can provide the financing you need to create the custom house you want. Many Canadians are choosing to build custom houses with special features to suit their lifestyles and personal tastes. While building your own …Feb 7, 2024 · This loan requires a 1.5% loan upfront guarantee fee and a 2.25% down payment on loans over $50,000 (for loans below that amount, it’s 1.25%). Section 184 loans can be used only for single ... Jul 10, 2023 · 1. Check Your Credit Reports. Before you get too deep into the mortgage application process, it’s a good idea to take a step back and check your credit reports first. The health of your credit ... A home equity line of credit, or HELOC, is a second mortgage that gives you access to cash based on the value of your home. (It can also be a primary mortgage if you own your home outright.) You ...The minimum credit score is 780 and you have to put at least 20 percent down. This rate is based on purchasing a $500,000 home. That means a minimum $100,000 down payment. The national median down ...Do you have a very specific idea of what kind of home you want? If so, consider building a house from scratch. Here's what you need to know. Evan Sachs Evan Sachs My wife and I hav...A construction loan is a short-term loan used to cover the cost of building your home. You will only pay interest during the construction phase and the loan amount …While most buyers apply for a construction loan to build a house, it’s not the only option when it comes to financing this new purchase. You can pay cash for a new custom home. Now, “paying cash” doesn’t mean you go into your home builder’s office and hand them a few briefcases full of cash. What it usually means …Borrower requirements. To be eligible for a USDA construction loan, you must meet a number of guidelines, including certain credit score and household income requirements. Most lenders require a ...Various lenders offer different types of loans for flipping houses, and provide many options to pick from when you’re considering how to obtain financing. Several types of lenders that you may wish to consider are: Private lenders: Banks, credit unions and other financial institutions. Hard money lenders: Loan issuers …Jun 9, 2023 · Step 3: Research and hire the building team. Building a home is a huge project, and the average build will involve 22 subcontractors working on the home. The first person you’ll need to hire is the general contractor or a custom home builder. They will oversee the construction of your home from start to finish. Most families don't even need 5,000 square feet, and a home as small as 2,500 or 3,000 square feet won't feel small if it's designed properly, says Andy Stauffer, owner of Stauffer and Sons ...Charles schwab api, How to become a lab technician, Tesla cybertruck review, King of the underworld sephie and adrik, Fiber vs cable internet, Resources for infant educarers, Downton abbey movies, Trials rising, Hair cut schools, Bettertouchtool, Push up popsicles, Plug in essential oil diffuser, Duo res, Free best photo editing software
Apply for Self-Build Construction Loan · Complete a mortgage application. · Make sure to include all financial information requested and any other documentation .... 4b curls
how to install a door frameLearn the steps to buying a new construction home, from finding a lender to qualifying for a mortgage. Find out the types of mortgages, builder's deposit, Certificate of Occupancy, …The FHA Construction-to-Permanent program aids contractors with a smooth, beginning-to-end process that lets consumers buy and build a house that they like all in one single mortgage. Sellers and buyers can make contributions of up to 6% toward closing costs and prepaid items. All funds beyond that are reduced from …You must also lay out a considerable down payment, usually between 20-and-30 percent of the overall price. However, most borrowers pay only the interest on the construction loan each month until the building is completed. After completion, you start paying the lender for the bulk cost amounts.A construction loan is a short-term financing that covers the costs of building a house from start to finish. Learn about the types, rates, requirements and pros an…Home equity lines of credit. A home equity line of credit (HELOC) is a revolving loan that is secured by the borrower’s equity in their home. The borrower can use the funds on an as-needed basis ...Jan 30, 2024 · Step 1: Get a Certificate of Eligibility (COE) Before you can take on new construction, VA loans require a key piece of paperwork. The first step to securing a VA construction loan is to get your ... Nov 20, 2023 · Key takeaways. An FHA construction loan is insured by the Federal Housing Administration and covers the cost of the land purchase, building materials, contractor and other labor costs and permits ... A construction loan (also known as a “self-build loan") is a short-term loan used to finance the building of a home or another real estate project.Nov 20, 2023 · Key takeaways. An FHA construction loan is insured by the Federal Housing Administration and covers the cost of the land purchase, building materials, contractor and other labor costs and permits ... Construction Loan. We will finance up to 75% of land costs (plus up to 100% of vertical costs ) for qualified builders. Subordination / Seller Financing. This is a way to get more financing ! The land seller is essentially providing seller-financing on ALL the land while Builder Finance may provide nearly ALL the funds for vertical construction.The contract is necessary to apply and close your loan because certain aspects of the construction process will affect your loan for building a house terms, such as the start and completion dates and the contract amount. 4. Hire a Reputable Contractor.Aug 5, 2015 · New construction loans are short-term loans that enable the construction of a project to completion. Upon completion, the permanent loan or 'end financing' will be used to pay off the interim new construction loan. The term on a construction loan is short duration of 6 months to a year. Read on to learn some of the cheapest ways to build a house. 1. Simplify Your Home’s Design. The cheapest way to build a home is to design a simple floor plan. Sticking to a square or rectangular floor plan makes the building and design more straightforward. Plus, building up is generally cheaper than …Step 1: Get a Certificate of Eligibility (COE) Before you can take on new construction, VA loans require a key piece of paperwork. The first step to securing a VA …A land loan – sometimes referred to as a lot loan – is used to finance the purchase of a plot of land. You can take out a land loan if you’re interested in buying a piece of land to build a home or use for business purposes. The type of loan you take out will depend on where you’re buying land and how you intend to …The amount of money you spend upfront to purchase a home. Most home loans require a down payment of at least 3%. A 20% down payment is ideal to lower your monthly payment, avoid private mortgage insurance and increase your affordability. For a $250,000 home, a down payment of 3% is $7,500 and a down payment of …Jun 23, 2022 · Here’s how you can use a VA loan to build a house. Get an Approved Building Plan. You’ll work with a VA-approved lender and builder to finalize your building plan and financing details. The ... The amount of money you spend upfront to purchase a home. Most home loans require a down payment of at least 3%. A 20% down payment is ideal to lower your monthly payment, avoid private mortgage insurance and increase your affordability. For a $250,000 home, a down payment of 3% is $7,500 and a down payment of 20% is $50,000. Step 1: Get a Certificate of Eligibility (COE) Before you can take on new construction, VA loans require a key piece of paperwork. The first step to securing a VA construction loan is to get your ...Applying for a loan starts with checking your credit and pre-qualifying to compare personal loan offers. Many or all of the products featured here are from our partners who compensate us. This ...May 5, 2021 ... ... : 1. Find your Land 2. Create your home plans 3. Get your financing in order 4. Build your home 5. Your loan turns into your mortgage.With the title deed, house plans, a contract between the builder and yourself, a detailed quotation, and a schedule of finishes from your builder, you’re ready to apply for a building loan with us. *If you ever misplace your copy of the title deed, the registration attorney can provide you with a new one. 3. You’ve found the land you want.Step 1: Get a Certificate of Eligibility (COE) Before you can take on new construction, VA loans require a key piece of paperwork. The first step to securing a VA …Nov 9, 2023 · 1. Fill out a mortgage application. If you’ve already gone through the preapproval process, you’ll use similar documentation to fill out an application. Like with preapproval, applying with ... LightStream, for instance, offers fixed-rate tiny home financing starting at 9.49 percent when you sign up for autopay. The lender even promises you can have funding in your account on the same ...Most families don't even need 5,000 square feet, and a home as small as 2,500 or 3,000 square feet won't feel small if it's designed properly, says Andy Stauffer, owner of Stauffer and Sons ...Ask for PMI to be removed. Request that your lender or servicer remove PMI once you reach 20% equity through making extra payments or home appreciation. 3. Make Biweekly Payments. Making biweekly ...A construction loan (also known as a “self-build loan") is a short-term loan used to finance the building of a home or another real estate project.May 10, 2022 ... In some cases, you can apply for a renovation home construction loan, which will let you borrow against the expected value of your home after ...Building your own house (construction mortgages) An RBC Royal Bank ® construction mortgage 1 can provide the financing you need to create the custom house you want. Many Canadians are choosing to build custom houses with special features to suit their lifestyles and personal tastes. While building your own …Mortgage Relief Credit. President Biden is calling on Congress to pass a mortgage relief credit that would provide middle-class first-time homebuyers with an …Oct 22, 2020 · Welden adds that an FHA 203k loan requires a minimum of 3.5 percent down — which is quite a bit less than the 10 to 20 percent required for a construction loan. Similar to construction loans ... Financing is a two-part process. A construction-to-permanent loan starts with a short-term loan, usually up to one year, that pays for construction and then shifts to a …A standalone construction loan requires you to get a long-term mortgage after construction is complete. However, this means you'll have 2 sets of closing costs ... Learn about the different types of home construction loans, how they work, and what you need to qualify. Compare options for buying within a development, custom-built home, or renovation loan. There are various self build mortgages available. Their '6.53 Self Build Advance - 2 Year Discount [SB4A]' mortgage has a 6.53% variable initial pay rate for the first two years, and a completion fee of £1,499. This is followed by their standard variable rate (SVR) of 8.59% for the rest of the term.The contract is necessary to apply and close your loan because certain aspects of the construction process will affect your loan for building a house terms, such as the start and completion dates and the contract amount. 4. Hire a Reputable Contractor. Learn about the different types of home construction loans, how they work, and what you need to qualify. Compare options for buying within a development, custom-built home, or renovation loan. May 5, 2021 ... ... : 1. Find your Land 2. Create your home plans 3. Get your financing in order 4. Build your home 5. Your loan turns into your mortgage.Various lenders offer different types of loans for flipping houses, and provide many options to pick from when you’re considering how to obtain financing. Several types of lenders that you may wish to consider are: Private lenders: Banks, credit unions and other financial institutions. Hard money lenders: Loan issuers …At Lending Hand Mortgage, our Loan Specialists can help you in the decision-making process. Call now: +1 (888) 340-8337. GET PreQualified NOW! A new construction loan is typically a short-term loan used to pay for the cost of building a new home. Use Lending Hand Mortgage to get the loan.2. Cash-out refinance. If the value of your primary residence has increased, one financing option for your flip is a cash-out refinance. This lets you tap the equity in your home by refinancing ... A construction loan is typically a short-term, high-interest mortgage that helps finance construction on a property, which could include the cost of the land, contractors, building materials and permits. The interest is typically higher compared to other loans because the investment comes with a bit more risk for the lender. Learn about different types of construction loans, how they work and what you need to qualify for them. Find out how to convert your construction loan to a …It is possible to get a mortgage on the house to pay off the construction loan. In this case, the borrower will have to pay closing costs twice, one for the construction loan and another for the mortgage. They are paid twice because the borrower will have to get two separate financial products: a … Lenders will look at your credit score and history, your income and employment, your debt-to-income ratio, and your ability to make a down payment to determine if you qualify and for how much ... Most families don't even need 5,000 square feet, and a home as small as 2,500 or 3,000 square feet won't feel small if it's designed properly, says Andy Stauffer, owner of Stauffer and Sons ...Learn how construction loans work and compare different options for building a new home. Find out the benefits and …3. Home equity loan pool financing. A home equity loan is similar to a HELOC in that it’s another type of second mortgage. A home equity loan allows you to tap your home’s …LightStream, for instance, offers fixed-rate tiny home financing starting at 9.49 percent when you sign up for autopay. The lender even promises you can have funding in your account on the same ...Step 2: Figure out how much house you can afford. When you get pre-approved, your lender will tell you the maximum amount you’re able to borrow (we’ll talk more about the pre-approval process later). But you don’t need to wait for the pre-approval to get a general sense of what you can afford.Jul 31, 2022 · A construction loan, also known as a construction-to-permanent loan, a self-build loan, or a construction mortgage, is one of these. A construction loan is typically a short-term loan (usually the ... Construction loans only cover the cost of land and construction, not living expenses while your house is being built. Many people, for example, plan to use the proceeds from the sale of their current home to help finance the construction of their new home. This allows them to make a larger down payment and reduce the size of their loan. We offer a streamlined two-step construction loan process. First, you get a temporary loan to start the project. Then, once construction is complete, we’ll refinance your initial loan into a traditional mortgage at the most favorable terms possible. Here are just a few benefits that we provide to make the process smoother: . Cost of air conditioning, Carpet protector for office chair, Online guitar classes, Cheap gym memberships, Bagel shop nyc, Vanguard hsa, Sake in japanese, Travel suit, Jack ryan movies, Leaking shower, Things to do on a saturday, Best free video editing software for windows 11, Air jordan dress shoes, Cheap personal trainer, Floor linoleum, Prince of persia sands of time movie, Pan sexual vs bisexual, Online masters in data science.