=== Classic Editor === Contributors: wordpressdotorg, azaozz, melchoyce, chanthaboune, alexislloyd, pento, youknowriad, desrosj, luciano-croce Tags: gutenberg, disable, disable gutenberg, editor, classic editor, block editor Requires at least: 4.9 Tested up to: 6.2 Stable tag: 1.6.3 Requires PHP: 5.2.4 License: GPLv2 or later License URI: http://www.gnu.org/licenses/gpl-2.0.html Enables the previous "classic" editor and the old-style Edit Post screen with TinyMCE, Meta Boxes, etc. Supports all plugins that extend this screen. == Description == Classic Editor is an official plugin maintained by the WordPress team that restores the previous ("classic") WordPress editor and the "Edit Post" screen. It makes it possible to use plugins that extend that screen, add old-style meta boxes, or otherwise depend on the previous editor. Classic Editor is an official WordPress plugin, and will be fully supported and maintained until 2024, or as long as is necessary. At a glance, this plugin adds the following: * Administrators can select the default editor for all users. * Administrators can allow users to change their default editor. * When allowed, the users can choose which editor to use for each post. * Each post opens in the last editor used regardless of who edited it last. This is important for maintaining a consistent experience when editing content. In addition, the Classic Editor plugin includes several filters that let other plugins control the settings, and the editor choice per post and per post type. By default, this plugin hides all functionality available in the new block editor ("Gutenberg"). == Changelog == = 1.6.3 = * Added some WPCS fixes, props NicktheGeek on GitHub. * Updated "Tested up to" in the readme and removed it from classic-editor.php. This should fix false positive errors in security plugins in the future. = 1.6.2 = * Fixed bug that was preventing saving of the last used editor. = 1.6.1 = * Fixed a warning on the block editor based widgets screen. * Fixed use of a deprecated filter. = 1.6 = * Updated for WordPress 5.5. * Fixed minor issues with calling deprecated functions, needlessly registering uninstall hook, and capitalization of some strings. = 1.5 = * Updated for WordPress 5.2 and Gutenberg 5.3. * Enhanced and fixed the "open posts in the last editor used to edit them" logic. * Fixed adding post state so it can easily be accessed from other plugins. = 1.4 = * On network installations removed the restriction for only network activation. * Added support for network administrators to choose the default network-wide editor. * Fixed the settings link in the warning on network About screen. * Properly added the "Switch to classic editor" menu item to the block editor menu. = 1.3 = * Fixed removal of the "Try Gutenberg" dashboard widget. * Fixed condition for displaying of the after upgrade notice on the "What's New" screen. Shown when the classic editor is selected and users cannot switch editors. = 1.2 = * Fixed switching editors from the Add New (post) screen before a draft post is saved. * Fixed typo that was appending the edit URL to the `classic-editor` query var. * Changed detecting of WordPress 5.0 to not use version check. Fixes a bug when testing 5.1-alpha. * Changed the default value of the option to allow users to switch editors to false. * Added disabling of the Gutenberg plugin and lowered the required WordPress version to 4.9. * Added `classic_editor_network_default_settings` filter. = 1.1 = Fixed a bug where it may attempt to load the block editor for post types that do not support editor when users are allowed to switch editors. = 1.0 = * Updated for WordPress 5.0. * Changed all "Gutenberg" names/references to "block editor". * Refreshed the settings UI. * Removed disabling of the Gutenberg plugin. This was added for testing in WordPress 4.9. Users who want to continue following the development of Gutenberg in WordPress 5.0 and beyond will not need another plugin to disable it. * Added support for per-user settings of default editor. * Added support for admins to set the default editor for the site. * Added support for admins to allow users to change their default editor. * Added support for network admins to prevent site admins from changing the default settings. * Added support to store the last editor used for each post and open it next time. Enabled when users can choose default editor. * Added "post editor state" in the listing of posts on the Posts screen. Shows the editor that will be opened for the post. Enabled when users can choose default editor. * Added `classic_editor_enabled_editors_for_post` and `classic_editor_enabled_editors_for_post_type` filters. Can be used by other plugins to control or override the editor used for a particular post of post type. * Added `classic_editor_plugin_settings` filter. Can be used by other plugins to override the settings and disable the settings UI. = 0.5 = * Updated for Gutenberg 4.1 and WordPress 5.0-beta1. * Removed some functionality that now exists in Gutenberg. * Fixed redirecting back to the classic editor after looking at post revisions. = 0.4 = * Fixed removing of the "Try Gutenberg" call-out when the Gutenberg plugin is not activated. * Fixed to always show the settings and the settings link in the plugins list table. * Updated the readme text. = 0.3 = * Updated the option from a checkbox to couple of radio buttons, seems clearer. Thanks to @designsimply for the label text suggestions. * Some general updates and cleanup. = 0.2 = * Update for Gutenberg 1.9. * Remove warning and automatic deactivation when Gutenberg is not active. = 0.1 = Initial release. == Frequently Asked Questions == = Default settings = When activated and when using a classic (non-block) theme, this plugin will restore the previous ("classic") WordPress editor and hide the new block editor ("Gutenberg"). These settings can be changed at the Settings => Writing screen. = Default settings for network installation = There are two options: * When network-activated and when using a classic (non-block) theme, this plugin will set the classic editor as default and prevent site administrators and users from changing editors. The settings can be changed and default network-wide editor can be selected on the Network Settings screen. * When not network-activated each site administrator will be able to activate the plugin and choose options for their users. = Cannot find the "Switch to classic editor" link = It is in the main block editor menu, see this [screenshot](https://ps.w.org/classic-editor/assets/screenshot-7.png?rev=2023480). = Does this work with full site editing and block themes? = No, as block themes rely on blocks. [See Block themes article](https://wordpress.org/support/article/block-themes/) for more information. == Screenshots == 1. Admin settings on the Settings -> Writing screen. 2. User settings on the Profile screen. Visible when the users are allowed to switch editors. 3. "Action links" to choose alternative editor. Visible when the users are allowed to switch editors. 4. Link to switch to the block editor while editing a post in the classic editor. Visible when the users are allowed to switch editors. 5. Link to switch to the classic editor while editing a post in the block editor. Visible when the users are allowed to switch editors. 6. Network settings to select the default editor for the network and allow site admins to change it. 7. The "Switch to classic editor" link. elitecashadvance.com+payday-loans-ga+cleveland how to do a cash advance – JNO Construction & Design https://www.jnoconstruction.com Comprehensive Design, Build & Renovation Services for the Los Angeles Area Tue, 04 Jun 2024 18:21:46 +0000 en-US hourly 1 https://wordpress.org/?v=5.4.16 https://www.jnoconstruction.com/wp-content/uploads/2019/05/cropped-JNO-Favicon-32x32.png elitecashadvance.com+payday-loans-ga+cleveland how to do a cash advance – JNO Construction & Design https://www.jnoconstruction.com 32 32 At the conclusion of last year, the average costs for the 29-seasons fixed-price conforming and you may jumbo finance was in fact in the also – step three https://www.jnoconstruction.com/at-the-conclusion-of-last-year-the-average-costs/ https://www.jnoconstruction.com/at-the-conclusion-of-last-year-the-average-costs/#respond Tue, 04 Jun 2024 18:21:21 +0000 https://www.jnoconstruction.com/?p=7476 At the conclusion of last year, the average costs for the 29-seasons fixed-price conforming and you may jumbo finance was in fact in the also – step three

Since if to buy a house wasn’t hard adequate, new current increase during the financial costs are so it’s also more difficult, especially for consumers who require compliant funds, with raised quicker than just costs to your large “jumbo” money in 2010.

Brand new expanding gap try an effective stark exemplory case of brand new press one to large property cost and you will rising financial cost is actually wear average home buyers, especially those going into the sector.

“The conforming-loan customers usually are very first-big date home buyers and they are most stretching to gain access to the business,” said Jim Wahlberg, a compass representative in the Danville. The pace hike “is sometimes pricing them out of the business, by the month-to-month cost.”

33% and you can step 3.31%, respectively. From the month ending Will get six, new averages got popped so you can 5.53% to possess conforming however, just 5.08% having jumbos, according to Home loan Lenders Relationship.

Historically, rates on conforming funds – that are protected by the Federal national mortgage association and you can Freddie Mac however, are unable to meet or exceed a quantity slightly below $1 million in most San francisco areas – was indeed about the same otherwise below cost towards the jumbo finance more than one restrict

On the good $600,one hundred thousand conforming financing, the difference between step three.33% and 5.53% contributes $780 so you can a monthly mortgage repayment. For the a $one million jumbo, the difference between step three.31% and 5.08% contributes $step 1,032.

The brand new recent surge within the financial pricing are so it is even more complicated to have home buyers, specifically for those trying to find conforming finance, that have raised reduced than just rates on the larger “jumbo” fund.

Compliant fund must meet with the federal underwriting direction from Federal national mortgage association and you will Freddie Mac. The quality money maximum getting a one-unit home in 2010 is $647,two hundred for the majority parts of the country, it are as much as 50% large when you look at the high-prices section. It’s from the maximum – $970,800 – in most San francisco bay area counties except Sonoma (in which it is $764,750), Napa ($897,000) and Solano ($647,200).

Jumbo money are those that go beyond Fannie/Freddie limitations. https://elitecashadvance.com/payday-loans-ga/cleveland/ For each bank set its very own guidelines to have jumbos, however they normally need borrowers for larger down money and you may stronger monetary users than required for compliant finance. From the 17% of all of the get and you can home mortgage refinance loan price hair for the April were to have non-conforming loans, primarily jumbos, based on Black Knight.

Colin Booth and his awesome partner become interested in a house during the Contra Costa State in September, when they have been cited cost lower than step 3%. That have a couple more youthful males, it started out targeting four-room land less than $975,one hundred thousand from inside the Martinez and you may Lovely Hill. After delivering outbid multiple times, it considering around $step one.dos mil on one home. Due to the fact home values and you may rates marched up, they changed the browse to 3-rooms property, upcoming so you can neighboring Solano State.

They lucked to your a four-room domestic into the Benicia where proprietor is actually ready to offer for $875,000 once an earlier offer fell due to. They lent $743,750, which is higher than the most compliant-amount borrowed when you look at the Solano Condition, nonetheless they managed to protected a jumbo rates regarding 4.625% in middle-April. Their large financial company “try claiming jumbo try more beneficial while it generally will not works like that,” Unit told you. It closed to your Tuesday.

The newest spurt from inside the financial prices causes certain consumers to appear for lesser domiciles or communities, button out-of fixed- so you’re able to changeable-price mortgage loans otherwise proceed to the latest sidelines, based on regional a home and mortgage gurus. “One or two members the 2009 week put the brakes toward,” said Beginning Thomas, a compass representative into the Los Gatos.

An effective subset out of compliant fund, one slide between the simple and large-rates restriction to possess a state, have been called higher-balance conforming fund. They’re rather popular regarding the San francisco bay area, where the median rate are $step 1.dos million to have one-family home and you can $775,100 to have a flat inside February.

High-balance conforming loans continue to be guaranteed by the Fannie otherwise Freddie and must satisfy its regulations. Generally speaking, its prices are more than important compliant financing (doing $647,200) however, less than jumbos. Today they have been more than one another, sometimes because of the nearly step 1 payment part.

That cause they truly are high: This past year, Fannie and Freddie began towering the newest charge to the next-mortgage loans and most high-equilibrium conforming financing. New fees will vary, however for really borrowers having financing-to-well worth ratios of 80% and you can more than, it “would-be more or less equivalent” so you can including 0.25% into the mortgage rate, said Keith Gumbinger, a vp that have home loan tracker HSH.

Toward Thursday, four Bay area lenders quoted rates between 5.125% so you’re able to 5.375% for a simple conforming financing, 5.5% to help you 5.875% to have a high-harmony compliant mortgage and cuatro.75% in order to 5% getting an effective jumbo loan. (They were their best pricing to possess loans which have 20% off without points, a variety of loan-origination fee. Rates change frequently and you may vary depending on domestic sort of, have fun with and you can area, facts, down payment and you will debtor profile.)

These types of statutes differ, although top jumbo finance fundamentally request about 20% down, half a dozen in order to a dozen months’ property value monthly premiums for the supplies (cash otherwise investments), a credit history of at least 680 to 700 and you may a beneficial total-debt-to-earnings ratio no more than 43% or forty-five%.

In comparison, Fannie and you may Freddie have a tendency to straight back fund that have as little as 3% otherwise 5% down having a primary quarters, a good 620 minimum credit history and you will a personal debt-to-income proportion as much as almost 50%. Sometimes they do not require supplies.

Certain San francisco bay area borrowers in need of financing throughout the higher six data will save a little money by getting an excellent jumbo alternatively from a top-equilibrium conforming mortgage, but as long as capable meet up with the firmer jumbo standards

Just after delivering outbid on the eight land, Conery and you will Traci Wilbanks fundamentally was able to pick a house inside Oakland’s Maxwell Park people getting $905,100 inside the April. They set out 20% and you may lent $724,one hundred thousand. In place of delivering a leading-balance compliant loan, the mortgage broker – Zach Griffin off Secured Rate Affinity from inside the Berkeley – qualified them to possess an effective jumbo mortgage. It closed in a performance regarding 4% in February; at the time a leading-harmony compliant price could have been on the 4.75%, Griffin said.

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