Problem: Write an article based on this summary: Review the requirements of government-affiliated mortgage programs. Consider non-governmental mortgage options. Understand the bankruptcy waiting periods. Beware of mortgage scams.

Answer: Along with the Federal Housing Authority, the US government works in tandem with two quasi-government enterprises to help ensure availability of mortgages for low and moderate income Americans. The Federal National Home Loan Mortgage Corporation, commonly known as Fannie Mae, offers not only low down payments, but also lets you finance some or all of your closing costs in the loan. There are strict income guidelines and documentation that you will have to produce to qualify. Freddie Mac, the common name for the Federal Home Loan Mortgage Corporation, also has income guidelines and is more dependent on your credit score. The Federal Housing Authority, or FHA, is a government-guaranteed loan available to those who meet income guidelines that are less strict than Fannie Me and Freddie Mac. Down payments can be as low as 3 percent. Veterans Administration loans may be available to those who completed their enlistment with an honorable discharge. There are additional options available for homebuyers with poor credit outside of government loans. These include: The Neighborhood Assistance Corporation of America (NACA) is a non-profit group that assists people with damaged credit obtain affordable mortgages with little or no down payment. A NACA mortgage is not dependent on your credit score, but involves an intense 2+ year financial counseling and savings plan that you must complete before NACA will approve your application. Conventional loans are also an option after a bankruptcy. Contact your local bank or credit union to discuss mortgages that may be suitable for your income and credit profile. You can also seek seller-financed homes. This type of agreement involves your directly paying the seller of home over time, rather than working through a bank. However, seller financing contracts must still be legal documents written by a real estate lawyer in order to protect the interests of both you and the seller. The FHA and VA have the shortest waiting periods to apply for a mortgage after a bankruptcy. In general, if the bankruptcy has been completed to the satisfaction of the court, your waiting period is two years from the final discharge of your bankruptcy. The lender may make exceptions for otherwise well-qualified borrowers who are working a chapter 13 bankruptcy and have made 12 months of on-time payments. Fannie Mae loans have a two to four-year waiting period from the discharge date depending on the circumstances of the bankruptcy. There is no automatic waiting period for a mortgage through NACA or a conventional mortgage. However, the NACA financial counseling and savings plan may take at least two years to complete. Conventional lenders will likely have their own requirements as well, but also have the flexibility to consider your overall circumstances and write mortgages at any time after your bankruptcy filing. The waiting period is a good time to build up your savings and credit score. Sitting out the waiting period after the discharge of your bankruptcy and the slow process of rebuilding your credit can be frustrating. However, the phrase "Your Bad Credit Doesn't Matter," is a warning sign to hang up the phone, throw away the junk mail, or delete the email. Be aware of the common signs that a mortgage may be a scam looking to prey on your desire to buy a house after your bankruptcy. Mortgages that claim your income or credit doesn't matter. If a lender is willing to make a loan that will drive your mortgage payment plus insurance and taxes above 28 percent of your gross income, this is a company that is setting you up to fail. Excessive loan processing costs and prepayment penalties. Your closing costs should not exceed 5 percent of the loan and prepayment penalties are illegal for owner-occupied homes. Refusal to detail all costs, fees, and commissions associated with the loan.

Problem: Write an article based on this summary: Get to know her friends and family. Plan a treasure hunt. Cook her a meal. Make her a Mix CD/Playlist. Plan a picnic.

Answer: Do everything in your power to get along and be friendly with these people. They are an important part of your girlfriend's life, and you should demonstrate that you respect that. This will let your girlfriend know that you are serious when it comes to your relationship. This can be a fun way to spend an afternoon, and the thought and planning that goes into it will show her that you really care. First, come up with the treasure. This can be almost anything, from a piece of jewelry to a nice dinner out, or something more personal. Plan the hunt. Decide how long you want the hunt to be, and where you want it to take place. Common stops for romantic hunts include "the first place we met," or "our first dinner together." Write the notes. Place the first one where you know she'll find it. Write something like "I have a little game for you to play, you can find the next note at [first clue]." Don't make the hunt too difficult, this is supposed to be fun! Not only does this make for a good date, it shows that you know your way around the kitchen. Don't worry too much about messing up, the thought matters much more than the execution. Plan your meal. Find some simple recipes that don't have too many steps. Try to time your preparations so that all the items are ready at the same time. Make sure the meal is balanced. Include a vegetable side, and don't serve huge portions. Pasta is usually a safe choice, as it is fairly easy to cook and most people will enjoy it. The dining area should be cleaned before dinner. Light a candle or two and make sure that all the dinnerware is placed correctly. If you're old enough, serve dinner with a modest bottle of wine. The concept of the Mix CD goes way back to the days of Mix Tapes. Basically, you want to collect songs that you feel she will enjoy, as well as songs that show how you feel about her. Memory is heavily influenced by music, and a good Mix CD will be remembered for a long time. Create the track list. You want her to be able to listen to the whole thing without getting bored or skipping tracks. Make sure that the first song grabs her attention, and that the subsequent songs flow well. Most music software will let you burn CD's. Check here for specific instructions on how to burn the CD If she uses a service like iTunes or Spotify, you can create a digital playlist and share it with her. This will allow you to make a playlist longer than a CD allows, but the lack of a tangible item can make the gift seem a little less special. Similar to cooking her a meal, planning a picnic shows that you care about her and that you think ahead. Make sure the weather is good. Forecasts change all the time, so be ready to change plans if the day before it starts pouring down rain. Prepare a light lunch. A picnic should be a light and airy affair, and the food should reflect that. Make sandwiches, slice up some fruit, and pack a bag of light chips. For drinks, brew some ice tea. Take the picnic somewhere fun. Depending on your location, find a place that boasts a lot of natural beauty. Riversides, beaches, and meadows all make good picnic locations. Scout the place out ahead of time and look for secluded locations.

Problem: Write an article based on this summary: Start the vehicle and turn on the air conditioner. Look to see if the A/C compressor is running. Check the wiring leading to the A/C compressor. Look for leaks in the air conditioning system.

Answer:
Use the key to start the car and turn the air conditioner on high. Feel the air coming out of the air conditioner and assess how warm, cool, or cold it is. If the air is warm to cool, but not cold as it should be, there may be an issue with air flow. Check to see if the cooling fans on your radiator are running. If they are not, there may be an electrical issue. You may need to replace the cabin air filter in your vehicle to increase air flow. You will need to ensure the air conditioner compressor is working to determine the correct course of action to make repairs if necessary. Locate the air conditioner in the engine bay and look to see if the center of the pulley is turning along with the pulley itself. There is a clutch that engages when the air conditioner is working. With the clutch engaged, the middle of the pulley will rotate along with the pulley itself. If the clutch does not engage, the A/C compressor may be broken and require replacement or it may just need to be filled with refrigerant. Most compressors have a wire leading to the electric clutch. Find the connector in the middle of that wire, and unplug it. Take a length of wire and run it from the compressor's wire to the positive (+) terminal of your battery. If you hear a loud CLACK, the electric clutch is functioning properly. If not, it will need to be replaced. Replacing your A/C compressor may require specialized tools. Bring your vehicle in for repairs if the compressor or clutch needs to be replaced. You can purchase leak detection kits to help you identify any leaks in your air conditioning system. These kits provide a dye that will run through the lines and seep out of any leaks or cracks, making them visible to the naked eye. Connect the leak detection can to the low side service port and spray it into the air conditioning system. If you spot any leaks, you will need to take the vehicle in for repairs. If you do not spot any leaks, the problem may simply be low refrigerant.