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    A high DTI is the #1 reason mortgage applications get rejected. 1 By combining you and your co-borrower’s debt and income, you may be able to reach a low enough DTI to meet lenders’ borrowing criteria. (At Better, we are able to offer loans with DTIs of up to 50% for creditworthy borrowers.) So if your co-borrower has a higher salary and/or less debt, that may make your “blended” DTI ratio much lower (and more favorable to lenders). Here’s an example:

    In terms of credit, conventional lenders are required to use the lower credit score between the two of you for loan qualification and underwriting. That means that if one of your credit scores is below the lender’s required minimum score, you still will not qualify for a loan, regardless of how high the other co-borrower's score is. That also means that the lower of two scores will be used when determining how low the rates available to you are. So if your potential co-borrower’s credit score is significantly lower than yours and you don’t need their additional income to qualify for the loan you need, it might be best to not add them to the mortgage.

    A co-borrower’s credit history can be useful if the other borrower has little or no credit history. This is often the case amongst young first-time home buyers. When lenders are deciding whether or not to approve them for a loan, the addition of a comprehensive credit history from a co-borrower can be beneficial.

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    If it doesn’t make financial sense to add someone to your mortgage through all of the ways we’ve just discussed, you can always just add them to property’s title and not the mortgage. Doing so allows someone who is not liable for mortgage payments still have ownership of the property. So for example, if your spouse has a significant amount of debt or a low credit score that would hurt the mortgage application (or if they just don’t want to be financially liable for the loan), they can still have ownership interest in the home if their name is on the title.

    Deciding whether or not to add someone else on your mortgage application is a big decision. Not only do you have to determine if doing so will strengthen your mortgage application, but you also have to make sure that you are both willing to share the risk of default on the mortgage and the general risks of homeownership. Keep in mind that you can always refinance your home down the road and add or remove co-borrowers or co-signers from the mortgage and/or title. If you’d like to talk through your options to help make these decisions, we’re here for you. You can schedule a free call with one of our licensed Loan Consultants.

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    Don’t let these common first-time homebuyer myths and misconceptions scare you away from buying your dream home.

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    Globally, we currently generate some 2.5 billion metric tons of waste per year for a population that’s expected to increase by roughly 33%, to 9.2 billion people, by 2050 (as projected by the United Nations). Much of this waste is plastic, which persists in our landfills, as well as in our oceans, and endangers human, animal and ecological health. At the New Materials Institute, we think it’s time for a paradigm shift in waste management; that a material’s useful end-of-life should be considered at the design stage and that Green Engineering principles should be part of this process.

    The NMI welcomes partnerships. We work with a wide range of partners to pioneer systems and materials that promote circularity, for proactive materials management. Whether it be circular materials management systems at the municipal to global scale or innovative and truly biodegradable materials that meet the high expectations of industry and the consumers they serve, we take a holistic approach to your issues. And as we work, we’re also training the next generation of engineers and scientists, so that they consider our context-driven and Green Engineering design approach in all they do.

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    UGA New Materials Institute teams are working with industry partners to improve the efficiency and applications of biobased, degradable plastic alternatives and to prove their safety in land and aquatic environments. The institute was also recently awarded the first phase of a grant from the National Science Foundation that will enable the NMI to join the Center for Bioplastics and Biocomposites (CB2). Based at Iowa State University, CB2 currently works to develop biobased products from agricultural resources. The collaboration with NMI will allow the expansion into the area of sustainable packaging and help connect the NMI to industry partners like Ford, 3M, ADM, Hyundai, and the U.S. Department of Agriculture, as well as other university-based research institutes and colleges.

    Please note that with this syntax the command gets unwieldy when sending complex data. In that case it's always better to use redirected input :

    Submitting forms is very similar to sending JSON requests. Often the only difference is in adding the --form, -f option, which ensures that data fields are serialized as, and Content-Type is set to, application/x-www-form-urlencoded; charset=utf-8 . It is possible to make form data the implicit content type instead of JSON via the config file.

    If one or more file fields is present, the serialization and content type is multipart/form-data :

    The request above is the same as if the following HTML form were submitted:

    Note that @ is used to simulate a file upload form field, whereas =@ just embeds the file content as a regular text field value.

    To set custom headers you can use the Header:Value notation:

    There are a couple of default headers that HTTPie sets:

    Any of those—except for Host —can be overwritten and some of them unset.

    To unset a previously specified header (such a one of the default headers), use Header: :

    To send a header with an empty value, use Header; :

    The currently supported authentication schemes are Basic and Digest (see auth plugins for more). There are two flags that control authentication:

    Authorization information from your ~/.netrc file is honored as well:

    Additional authentication mechanism can be installed as plugins. They can be found on the Python Package Index . Here's a few picks:

    By default, HTTP redirects are not followed and only the first response is shown:

    To instruct HTTPie to follow the Location header of 30x responses and show the final response instead, use the --follow, -F option:

    If you additionally wish to see the intermediary requests/responses, then use the --all option as well:

    To change the default limit of maximum 30 redirects, use the --max-redirects=<limit> option:

    You can specify proxies to be used through the --proxy argument for each protocol (which is included in the value in case of redirects across protocols):

    With Basic authentication:

    You can also configure proxies by environment variables HTTP_PROXY and HTTPS_PROXY , and the underlying Requests library will pick them up as well. If you want to disable proxies configured through the environment variables for certain hosts, you can specify them in NO_PROXY .

    In your ~/.bash_profile :

    To enable SOCKS proxy support please install requests[socks] using pip :

    Services:

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    Services:

    /

    Services:

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