Did You Know That Other Types of Mortgage Exist?

March 25, 2026

What do you consider when you think of obtaining a mortgage? Most people assume that a traditional fixed loan from banks is the only option. However, homeowners are unaware of different loan options in the present mortgage industry. As a result, they do not explore various mortgage programs when they need to finance their new home.

But, private lenders offer loan programs that are better than traditional ones. So, you must understand these options to reduce risk and save money. Let us discuss the lesser-known mortgage types in South Carolina today.

A traditional mortgage with a fixed rate ensures you need to pay a particular amount every month. However, the lack of flexibility is a disadvantage of this mortgage program. That’s why you may want to choose from other mortgage options for your property deal.

Adjustable-Rate Mortgages

A variable-rate mortgage or ARM is a popular choice where the initial interest rate remains fixed for a particular period. When the market condition fluctuates, you will find variations in the interest rate.

A few positive sides of an ARM:

Best for short-term homeowners
Low initial payments
Save money when the interest rate is stable.

Homeowners who want to settle their debts fully may choose an ARM.

FHA

FHA is a government-backed mortgage designed for low and moderate-income borrowers. You need a credit score of at least 500 to apply for an FHA loan. Borrowers with an average credit score choose this mortgage program. Some lenders want a 3.5% down payment to offer this loan.

Thus, the positive aspects of an FHA loan are:

Low down payment
Competitive interest rate
Flexible credit requirements

Moreover, FHA loan applicants have to pay upfront and monthly mortgage insurance premiums. Many first-time homebuyers also apply for this loan to buy their properties. You can use a South Carolina FHA mortgage calculator, as an example, to calculate monthly repayments.

VA Loans

Like FHA, VA loans are government-aided, but they are available only for:

Veterans
Eligible surviving spouses
Active-duty service members

As you do not need to pay monthly PMI, it will reduce your monthly costs. The minimum credit score needed for the VA loan is not the same for every lender. Besides, you must show a Certificate of Eligibility from the VA to apply for the mortgage.

USDA Loans

Many low-income residents in rural areas apply for the USDA home loan.

Low and average-income homebuyers want to apply for the USDA loan. The loan term for the USD mortgage is around 30 years. Officially, no minimum credit score has been announced for loan applicants. Still, many lenders prefer borrowers with a credit score of 650. Consult the lender or a broker to learn about the interest rates for the USDA loan.

Expand Your Mortgage Horizons Today

You must analyze the details of different mortgages before choosing the right one. The interest rates and eligibility criteria are not the same for every loan. The choice of the best mortgage will help you save money every month. You may directly communicate with the lending company or a broker to check for the best mortgage programs in your area!

Former Mayor Misty Roberts’ Mugshot Raises Eyebrows As Religious Symbols Steal The Spotlight

March 7, 2026

Disgraced ex-DeRidder, Louisiana, mayor Misty Roberts posed for her mugshot in a pearl headband and crucifix necklace, the state’s s*x offender registry site shows.

The registry also details a host of tacky tattoos Roberts has across her abdomen and hip.

She was convicted of engaging in an intimate encounter with her son’s underage friend during a pool party in 2024 on Tuesday, March 3.

Following the release of her mugshot and other information, netizens have raised alarm about Roberts, with one claiming, “She’s a sick monster,” and another comparing her to “Epstein.”

Misty Roberts’ arrest record sheds light on the makeover she gave herself before getting her mugshot taken

Image credits: 7 KPLC

The 43-year-old can be seen wearing a green T-shirt as she stands stone-faced in front of a grey wall for her mugshot.

Her blond tresses cascaded down to her shoulders, with her look completed by pearl earrings beside her hair and a neck accessory.

Image credits: Facebook

For her tattoos, Roberts has the phrase “I Love You” written across her abdomen, a Leo sign on her right wrist, and wings with the name Andrew on the other wrist as a nod to her late boyfriend William Andrew Cronce, who passed away in February 2024.

She also has a butterfly on her left hip, a bow on her right hip, and “walk by faith” tattoo on her right foot.

Image credits: Louisiana Sex Offender Registry

A trial between February 26 and March 3 heard how Roberts committed the crime, which could get her 17 years in jail, under the influence of al**hol.

“It would not have happened without al**hol. Trying to be the cool parent in a divorce is stupid,” the former politician’s attorney said.

The victim also admitted to being drunk while he and Roberts got intimate as he took the trial stand.

Roberts’ own two children testified how they saw her and the teen together

Image credits: KPLC 7

Prosecutors played the full forensic video of Roberts’ son for the jury, during which he said he saw his mother and his friend getting physical through a crack in a window.

But when he appeared in the courtroom, he told jurors he was uncertain of what he saw.

Roberts’ daughter, in her recorded interview, said she saw her mother and the teen “on top of each other” on the night of her brother’s birthday.

A local DoorDash driver confirmed he delivered emergency contraception to Roberts’ home shortly after the incident.

Social media users have shown little mercy toward Misty Roberts amid the release of her mugshot

Image credits: Facebook

“Her moral tank is running on empty. No makeover can cover that up,” one said, while another jested, “She is right for attempting to look good for the mugshot because they last forever on the internet.”

“Does not matter that you put on your pearl headband and earrings. You are nasty,” said a third.

Image credits: Facebook

“Wearing a crucifix and a tattoo that says ‘walk by faith’ — look, kids, a big fat hypocrite,” a fourth pointed out.

“Why is this cross-wearing Bible thumper having s*x outside of marriage? Why isn’t she being persecuted for that?” asked the fifth.

“S*x offenders usually look normal or even more moral than us,” added another.

Misty Roberts’ ex-husband branded her a cheater around their divorce in 2022

Image credits: Facebook

According to the couple’s divorce documents viewed by The Sun, Duncan Clanton, in a text sent to Roberts just months after filing for separation, called her “cold-blooded.”

“Just wanted you to know what a real piece of s**t you really are!” he continued.

“Funny how you call me psychotic and you were the one who left me for a cop or a da*n dirt contractor.

Image credits: Louisiana State Police

“An alcoholic, cheating SOB,” he went on.

“You’ve never looked in the mirror, and it shows how truly shallow you are. I’ll admit that in the short term, it has been extremely hard to move on, but in the long term, it will be a different story. Have fun living your propped-up life.”

The couple’s divorce was finalized in mid-2023.

Despite their troubled history, Clanton reportedly stood by Roberts in the aftermath of the incident

“You are a great mom, and that’s what’s going to be your foundation. That is what is going to get you through it. You’re strong,” the ex-husband said in a text.

“I won’t turn my back on you,” he expressed in another exchange.

“We can be great parents to our kids and not fight or have any of that negativity anymore. Let’s just live one day at a time.”

The exes, however, began a bitter custody battle in October 2024, with Clanton seeking exclusive parental rights for both children.

The former politician agreed to allow their kids to stay with him.

She is due in court to learn her fate regarding her improper conduct with the teenager on April 17.

“She went from approving city permits to being on a registry,” a netizen remarked about Roberts

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10 Worst Dressed Celebs At Olympics 2026 Opening Ceremony Red Carpet In Milan

February 7, 2026

The 2026 Winter Olympics have officially kicked off in style, with Milan, Italy, hosting the opening ceremony on February 6.

While the world’s top athletes prepare to compete across snow and ice through February 22, the opening red carpet night at the iconic Teatro alla Scala drew a wave of celebrities eager to soak in the Olympic moment.

From Hollywood heavyweights to pop icons and former Olympians, here is Bored Panda’s list of the 10 worst-dressed celebrities whose fashion moments failed miserably.

#1 Marisa Tomei

The Oscar winner beloved for My Cousin Vinny and her role as Aunty May in the MCU, Tomei went in an unexpectedly subdued direction.

She opted for a long black coat-dress featuring multicolored embroidered diamond motifs.

The 61-year-old paired the look with black ankle boots, loose waves parted at the center, and a small structured clutch.

#2 Monique Coleman

Best known for Disney’s High School Musical franchise, Coleman attended the Milano Cortina 2026 Winter Olympics opening ceremony at Teatro alla Scala in Milan.

She opted for a navy zip-up tracksuit-style ensemble paired with wide-leg trousers. She accessorized with a metallic silver clutch and a chunky bracelet.

Unfortunately, her sporty footwear clashed with the formal venue, though her slicked-back hairstyle and bold red lipstick elevated the look.

#3 Adam Rippon

Rippon is a retired Olympic bronze medalist in figure skating. He is also a pop-culture favorite known for his sharp wit and TV appearances in shows like Dancing with the Stars, RuPaul’s Drag Race, and Messyness.

For the opening ceremony, he made a bold choice that leaned more toward a high-neck ugly-holiday-sweater vibe than high-fashion red carpet. The pattern on the sweater featured the Olympic rings, which he paired with tailored black trousers and chunky black loafers. His hair was neatly groomed.

#4 Devon Lee Carlson

The fashion influencer and founder of Wildflower Cases, known for her cool-girl California aesthetic, Carlson opted for an overly casual style for the Milano Cortina 2026 opening ceremony.

She wore a red-and-cream varsity-style cardigan layered over a black turtleneck and relaxed black trousers. She complemented her outfit with black ankle boots and a small structured handbag.

The 31-year-old kept her accessories minimal, wearing her hair loose and makeup natural.

#5 Stanley Tucci

The acclaimed actor, best known for films like The Devil Wears Prada, The Hunger Games, and Julie & Julia, opted for a muted look at the Milano Cortina 2026 opening ceremony.

He stepped onto the La Scala red carpet in a navy padded jacket layered over a chunky white turtleneck, paired with slim black trousers.

He finished the look with black leather shoes, round-frame glasses, and a clean-shaven head.

#6 Gracie Gold

The Olympic bronze medalist, a six-time Grand Prix medalist, and a two-time U.S. national champion, Gold went full glam for the Winter Olympics 2026 opening ceremony.

She wore a dramatic blush-pink feathered jacket paired with a heavily sequined ombré skirt that faded from soft pink to deep red and black.

The combination of feathers and heavy sequins created a distracting silhouette that competed with her classic red lipstick and a neat updo.

#7 Usher

The Grammy-winning R&B icon behind hits like Yeah! And Confessions, Usher brought a rugged, off-duty energy to the red carpet.

He stepped out in a jumbo Ralph Lauren fur-lined bomber jacket marked with the Olympic and Team USA logos. He paired it with a partially unbuttoned denim shirt, faded blue jeans, and brown suede boots.

Usher complemented his outfit with a black Olympic-branded scarf, aviator sunglasses, and a chunky belt buckle.

#8 Michelle Yeoh

The Oscar-winning star of Everything Everywhere All at Once and Crouching Tiger, Yeoh opted for an understated, almost minimalist look at the Milano Cortina opening ceremony.

She arrived in an all-black ensemble featuring a long-structured coat layered over a sleek top and tailored trousers. Yeoh finished her look with a wide-brim black hat, white platform sneakers, and loose, straight hair tucked under the hat.

#9 Benito Skinner

Best known for Over Compensating and sharp pop-culture satire, Skinner brought an oddly casual energy to the red carpet.

He layered a bright red color-blocked puffer jacket over a USA-themed Olympic knit, pairing it with relaxed cream jogger-style trousers.

Skinner elevated his look with black lace-up boots, scrunched socks, and neatly styled hair.

#10 Donatella Versace

The legendary creative force behind the Versace empire, Donatella, leaned into her signature aesthetic.

She wore a body-hugging red midi dress with ruched detailing at the neckline. The 70-year-old styled the look with sheer black tights and towering black platform heels.

Donatella’s platinum-blonde hair was worn sleek and center-parted, paired with heavy eye makeup and nude lips. For accessories, she carried a small black handbag.

32 Women Share The Most Stupid Things That Have Ever Been Mansplained To Them

January 7, 2026

Ever had anything mansplained to you? You know, when a guy starts explaining something to (most likely) a woman about something that they very well know themselves in a condescending or patronizing way.

Sure, it is definitely a serious issue, one that hints at sexism and rudeness, among other things, but also one that can be satisfying and even funny—particularly when the one being mansplained to claps back with an educated response that makes the mansplainer rethink their decisions.

In celebration of the recent Valentine’s Day, Twitter user @J_Dot_J asked people what was the most obvious thing that was mansplained to them. Dozens upon dozens of people shared their best mansplaining stories, not only voicing their frustrations, but also pointing out how nobody should ever assume that you don’t know things.

Image credits: J_Dot_J

Bored Panda has collected some of the best responses from the Twitter thread and made it into a list for you to enjoy. While you’re scrolling, why not share your thoughts and vote on the ones you liked the most, and share your mansplaining stories, if you have any, in the comment section below!

Oh, and if this ain’t enough, Bored Panda has two other articles on the topic here and here, so be sure to check them out once you’re done here!

Discover more in 35 Women Share The Most Stupid Things That Have Ever Been Mansplained To Them

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How Can You Identify High-Performance Plywood for Structural Use?

December 11, 2025

Choosing suitable plywood can be difficult, especially since every supplier advertises the best quality product. But how exactly does one test the capacity of any plywood to carry a structure? If that home, refurbishing, or commercial project is here in Australia, the material has to withstand harsh weather, heavy loads, and the test of time. So, do keep such thoughts in mind before anyone spends on any project next time around.

Let us also understand how plywood has been for you in the past; have there been any cases when you felt the plywood failed your expectations? Bord Products seems to be a popular name in terms of quality, but what should one really consider?

Let’s keep it simple and fun, shall we?

1. Start With the Grade: Is It Certified Structural Plywood?

Various plywood grades are intended for different uses. For structural plywood, always look for comments like “Structural” or “Structural Grade.” These panels have been loaded for strength and durability in testing. Leaders tend to offer structural plywood complying with the relevant methods of Australian standards; you can recommend it for your trustworthiness.

If in doubt, one should ask oneself: “Would this plywood hold up under pressure?” If in doubt, one should always consider the absence of “Structural” in the grade to be a red flag.

2. Look for AS/NZS 2269 Compliance

AS/NZS 2269 sets the structural plywood performance standards in Australia, and compliance with these standards is one of the most prominent signs of the performance nature of the plywood. Passing this standard means satisfying a large number of tests on strength, stiffness, and durability.

Next time you are visiting supplier places or browsing product listings, take a moment to check for this mark. If it is not on the panel or packaging, ask the supplier directly. Structural work should never be left to chance!

3. Check the Type of Glue Used

Did you ever wonder what binds your plywood sheets together? Most people don’t even realise how important this is because high-performance structural plywood uses A-bond or marine-bond glue, which basically makes sure that the panel stays strong even in wet conditions.

Would you confidently use this plywood in a roof or flooring project? If it doesn’t say anything about moisture resistance, then maybe you head to reputable brands.

4. Examine the Timber Species

No two timber cores share the same strength. Eucalyptus is a kind of hardwood often used for stronger structural plywood than such softwoods as pine. Species characterised by high-density timber improve load-bearing capacity for the panel. If the supplier would not confirm the timber species, there would be grounds to suspect that the product was not of high performance.

5. Inspect the Panel for Visible Defects

Surface quality speaks volumes. Look for:

Voids or gaps along the edges
Poor bonding between layers
Cracks, patches, or warping

A proper structural panel should look and feel solid; an early visual inspection may save you lots of headaches down the line.

Summary

Selecting first-class plywood is not as tough as it seems. Just check certificates, glue type, timber species, surface quality, and everything would fall into place for structural projects. In case you have any further doubts, hold on to Bord Products as reputable suppliers, and rest assured that the materials meet Australian standards. Choose wisely today, and tomorrow, your structures will endure!

Ex-Employee Who Discredited Veganism Online Spills 51 Things You Need To Know

December 7, 2025

Social media, comments sections, forums and user-driven internet pages have all created the sort of environment where most of us can both post and read what other people from across the world think. But the unfortunate truth is that sometimes people put a lot of effort into sharing ideas that aren’t entirely their own.

A person who claimed to have worked for the meat industry to discredit veganism went online and participated in an “ask me anything” (AMA) thread. So we’ve put together the most interesting posts from it. Get comfortable as you scroll through, upvote the best examples and be sure to share your own thoughts in the comments down below.

Image credits: Anon

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29 Pics Of 3D Street Art That Interacts With Its Surroundings, Created By Caiffa Cosimo

November 7, 2025

Article created by: Hidrėlėy

Street art has had a bad reputation, some people even think it’s a crime, but there are some amazing artists out there who transform empty walls and spaces into works of art. That’s exactly what Milano-based street Artist Cosimo Cheone Caiffa does, but with a twist. He creates amazing 3D interactive pieces that look stunning.

The artist makes boring spaces pop out with his 3D technique. If you take a picture with the street art at the right angle, you can even become part of the piece. “The idea was born from the desire to get out of the box, and in all my designs I try to send messages of unease, the joy of life and what surrounds me,” said the artist to Bored Panda.

More info: Instagram

Read More: 30 Pics Of 3D Street Art That Interacts With Its Surroundings, Created By Caiffa Cosimo

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32 Sassy One-Liners People Have Actually Used To Wreck A First Date In 60 Seconds

October 7, 2025

Article created by: Monika Pašukonytė

Have you ever found yourself in a situation where you meet up with your date and realize – so not a fit? The scariest thought about it is what if they don’t think the same, what if they expect something more?

So, you have to come up with something to make sure it won’t happen. And, well, yapping nonsense quite often does the trick. Only problem – doing so requires quite a talent, not everyone can blab on the spot. That’s why we prepared today’s list – it’s full of ideas on what to say when you’re sure you don’t want that second date. So, buckle up and let’s go on this wild ride!

More info: Reddit

Read More: 39 Sassy One-Liners People Have Actually Used To Wreck A First Date In 60 Seconds

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I can do it in 3 seconds: “I voted for Trump.”.

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So, do you see this going somewhere? Because my parents really want grandkids soon, and I already showed them your LinkedIn.

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You look so different when I’m not looking at you through binoculars.

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Thank you so much for agreeing to meet with me, my parole officer couldn’t believe it when I was telling him about you. “Just remember how you ended up in this situation” is all he could say lol.

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“I hope you don’t mind, i brought my mum along”.

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“Can we move to the restaurant across the street? I can’t be within so many yards of a school.”.

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Hey i hear you’re looking for a stud, ive got the std all i need is u.

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“I forgot my wallet. I’ll just eat whatever you don’t finish.”.

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I dated a guy who told me that he already had the names for our first 3 kids on our one and only date and minutes into it. I noped out of there.

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When they show up, look at them with a flat expression, then say:

“…really?” “Well, I’m sure you did your best.”

If that doesn’t do it, you can add: “Actually, I’m really good at making the best of bad situations. You can still pay for our date!”.

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Hmm… Here is a wet wipe, show me how you really look under all those layers.

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Wow you’re hot you kinda look like my mom.

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Are you familiar with the advantages of a fractional ownership vacation condo?

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My ex was hotter.

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“I think I’m in love with you.”
Nothing beats the old Ted Mosby.

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I never thought they would let me out in public again this is so exciting.. i love you.

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Nothing. just stare at them silently.

60 seconds doesn’t sound like a long time but imagine someone just staring at you wordlessly for a full minute.

and i feel like it would make it even more disturbing if after the full minute of weirdness i just started making normal conversation. .

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I don’t usually date effeminate guys, but you seem ok.

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Let me introduce you to Raid Shadow Legends.

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1. Make eye contact
2. Put the ring back on.

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So I still live with my ex… but we’re on good terms.

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“Does this rag smell like chloroform to you?”.

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You amateurs have to say something? I just show up.

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Talk like Yoda we must!

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Given my track record, “hi, how’s it going?” usually does the trick.

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“Oh no…Its that really how you look? Or is this trick?”.

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You don‘t look like the guy on your pictures.

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I would love to feel em, just one touch real quick.

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“Before we get started, would you please review and sign this NDA?”.

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”I always dreamt of a face like yours. It might be good to add to my collection…” Say it softly, like you’re whispering to yourself.

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I’m married.

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“where’s my hug?”.

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Bag Trends Spotted in Top Fashion Magazines

September 23, 2025

A bag is a fashionable accessory that defines your personality and reveals your preferences. With the evolving fashion world, you can discover newer bag designs in stores. Many people check the top fashion magazines to learn about the latest bag trends. Based on the trends, they like to add newer bags to their wardrobe.

So, keep reading and learn about the best bag trends according to the prominent fashion magazines. You can buy new bags and upgrade your style statement.

Oversized Bags

Women with a busy lifestyle like to put their essentials into a single bag during a trip. With this in mind, they prefer using spacious bags that accommodate a number of items. Many celebrities also carry these bags and have fueled the trend.

An oversized tote handbag has a timeless elegance and a significant functional value. Leather totes are more luxurious and match with your party wear. But, you may also choose oversized canvas bags as an affordable choice for your daily needs.

Studded Bags

Women who prefer an edgy style can buy studded bags with a polished charm. Bold silhouettes and gleaming metallic hardware are the common characteristics of these bags. High-end designers have creatively designed studded bags with silver and gold hardware.

Carry the studded bags and express your unique style at a party. For instance, if you wear a blazer and jeans, pair them with studded bags.

Bags with a Colorful Design

Some women like to use vibrant-colored bags to elevate their natural outfits. For example, you will look gorgeous with a red bag and a black dress. Colorful bags also uplift your mood and make you feel confident. They are a dynamic and fresh alternative to traditional neutral-colored bags.

The unique color of your contemporary bags also reflects seasonal vibes. For instance, pink and blue tones of your bags symbolize the season of joy and renewal.

Quilted and Textured Finishes

Bags with quilted and textured finishes have become a trend with their appealing look. The quilted design adds practical value to your bag. The layered fabric makes the bag more durable and provides lasting value.

Modern bags are available in various quilted patterns and fabrics, allowing you to choose the best one. So, with diverse textures, these luxurious accessories will elevate the style on any occasion.

Crossbody Bags

Many office goers buy trendy nylon crossbody bags online, as these bags allow them to stay hands-free. If you wear the bag across your body, it ensures an even weight distribution. You will feel comfortable when carrying the crossbody bag during your daily commute or for any other activity.

Crossbody bags are available in various materials, but the leather and nylon ones are perfect for professional settings. Multiple compartments allow you to keep your stuff organized in the bag.

Conclusion

Online stores have a diverse collection, ranging from oversized totes to crossbody designs. The best bags complement your style without compromising the functional value. All things considered, choose the most elegant bag from the fashion magazines and place your order online. You can pair this stylish accessory with your outfit on any occasion.

This Twitter Account Collects Photos Of Cats In Small Shops Looking Like They Own The Place (50 New Pics)

September 7, 2025

Article created by: Greta Jaruševičiūtė

Dropping by a bodega to get some eggs for tomorrow’s benedicts, more often than not, results in meeting its master. First, it’s the piercing eyes in the chips aisle that stare deep into your soul. Then, it’s the meow coming from nowhere. There may also be a furry tail lurking behind the stacked cartons of milk. If you see any of these, it’s a sign you have stumbled upon a bodega cat.

Call it a breed of its own accord, a sub-category of atypically social felines that dwell solely in convenience stores, not too big, not too small. Thanks to the Bodega Cats social media project, which has 462.5K Twitter and 298k Instagram followers, the internet can now sleep well with a seemingly endless collection of cats that totally own their bodegas.

So scroll down for the newest batch of pics featuring felines in the process of… nodding off, shamelessly chilling, or staring at people. We all know very well that it’s they who have total control of the bodegas, and not the bodega owners who have convinced themselves the place is in their hands.

Psst! More adorable cats captured on camera in small shops can be found in our previous posts here and here.

More info: BodegaCats.nyc | Facebook | Instagram | Twitter