☆Homes for Heroes, Inc. is a licensed real estate company in the state of Minnesota. Hero Rewards not available in all states. Hero Rewards offers are limited and/or restricted in Alaska, Kansas, Louisiana, and Mississippi. All savings amounts are estimates. The actual Hero Rewards amount may vary based on the services used, sale price of the home (less appropriate credits), and in special circumstances, including, but not limited to, new construction, below average commission, and For Sale By Owner sales. You must be enrolled with Homes for Heroes and be represented at closing by a Homes for Heroes agent affiliate to be eligible for home price savings. You must work with loan officer and business affiliates to receive additional service-related savings. Contact Homes for Heroes for further details.
The costs of RTO, straight renting, or purchasing a home depends largely on several factors. You should carefully consider all of them before you make your final decision, as you could end up accidentally locking yourself into a contract that costs you thousands more than other options. If you're not sure if renting, RTO, or purchasing a property is right for you, use this tool to check the costs.
Many people who want to purchase their own homes might not have the money on hand for a 20% down payment or money to cover the miscellaneous fees that come with buying a home. An RTO contract gives them a period to save up for a downpayment, and a portion of their rent money will also go toward their down payment or earnest money once the contract is up. This can act as a cushion, and they won't have to worry about paying such a high down payment amount.
Ever heard of XAP CREDIT SOLUTIONS? They are a credit repair specialist company; this review is in appreciation of the dedication and time they put into working on my credit. I had a bad credit, was trying to purchase a home for my family and also secure something for my kids in the future but I got turned down even after pre-approval, it was very devastating. A friend read about them on trulia and informed me, I contacted them after reading some reviews about them, they ran my credit report, analyzed the credit score, and determined which actions will have the greatest impact, they increased my FICO, added positive comments to my profile. I have a clean credit file now. If you want to you can reach them via (+1 972 597 9704) or their email [email protected] Many thanks
I have spent a lot of time online looking for a way I could get my credit score increased, have tried a lot of sites online and none really worked out, a colleague of mine introduced me to HACKWEST the credit specialist, he helped me clean my report and boost my score from a low 430 to 760 and added two tradelines it was fast and neat with no trace they are just too professional to the core and the best have ever seen fixing credit scores. Contact them now via: [email protected]/ +1 424 307-2638 and thank me later
Buyers see benefits—but not without some big potential roadblocks. In many cases, they are counting on being able to rebuild their damaged credit rating while living in the rent-to-own home and paying above-market rent. To benefit, they must be able to get their financial house in order and qualify for a home loan before their lease option expires. Should the market drop significantly, the renter might end up owing a lot more on a house than it's worth. And it's harder to move out should your lifestyle change.
What if you couldn’t afford this as a home buyer, but you still wanted to rent the home? You must ask the seller if the home could be rented for cheaper without the rent-to-own option. Usually this is the case, because most mortgage lenders only allow the down payment accrual to be a sum that’s above the local market rent. So in this example, not having a rent-to-own option might mean your rent is $1,200.
Repairs. Repairs and maintenance responsibility should also be clearly outlined. Usually, the seller will take care of them until the tenant officially purchases the house. However, they can ask the tenant to cover them, and with an RTO contract, they usually do. Have the home inspected to be sure no major repairs are needed before signing to agree to be responsible for them.
While a lease option gives you first dibs to purchase the home you’re renting, it doesn’t guarantee that you’ll be approved for a mortgage at that time. If you are unable to boost your credit or save enough for a down payment during your lease, you could still be shut out — and you’ll lose all the money you paid toward the purchase, too. To help protect against this scenario, experts recommend meeting with a mortgage lender before signing the deal to know exactly what you’ll need to qualify at the end of the lease.
When you decide that rent-to-own is the right choice for you, you'll have to start looking for places that list RTO homes for sale. It might seem like a difficult thing to find at first, but several websites list them. One thing to note about these types of sites is some of them charge a fee to view information. Be sure to use a credit card rather than a debit card so you can more easliy dispute charges if you keep getting charged after you stopped using the service and contacted the company to cancel any ongoing subscriptions. It is hard to point out gotchas to specific websites while publishing an article like this because businesses can be bought & sold, and new owners may be more aggressive with monetizing customers than the old owner was.
If your property has a gate, your gate remote will be located in the kitchen drawer unless your property was purchased from a foreclosure or short sale. If a gate remote is missing, you will need to contact the HOA for one. Your HOA packet should be sent to you via email. If you didn’t get one from your agent, please contact the office. If the HOA charges you for a gate remote, you may deduct that from your first month’s rent.

 You can lose your entire investment if you miss a payment or two. With mortgages, if you miss a payment, your credit score drops and you don’t lose any of the equity on the home. With a rent to own contract, you can forfeit all of the money you’ve put toward the home.If the houses in your area start to decline in value, you risk having bought a home that isn’t worth as much as you thought.
Your debt-to-income ratio can have a negative impact on your credit history and stop you from obtaining a mortgage if it is on the high end. By entering an RTO contract, the individual with a high debt-to-income ratio won't be adding on more debt right away. They usually have two or three years to straighten out their finances and lower their debt-to-income ratio, so they qualify for a mortgage.

Will be located in the kitchen drawer unless your property was purchased from a foreclosure or short sale. If a mail box key is missing, you will need to go to the nearest post office with your lease and they will issue you a new one. Explain to them that the property was purchased from a foreclosure and there was no key when the property was purchased.
It’s all good again, I had a low credit and evictions on my profile, I couldn’t get a house, I applied for a mortgage and auto loan but I was denied due to my bad credit score and the evictions. I tried various processes and procedures but they all came to naught. I read a comment by someone on Trulia about HACKWEST, I was quite skeptical somehow, I texted him, and we got started, after 5 days I noticed some changes, in 8 business days my credit was new. It’s quite unbelievable but that’s what it is. I would really like you to contact him. You can write him on (424) 307 2638 / [email protected] Goodluck!
Because the rent-to-own process is less regulated than a typical buying or rental process, there’s no standard rent-to-own contract. The terms are completely negotiable. If you’re entering into a rent-to-own process, you need to talk to a real estate agent and an attorney on the front end to make sure you understand—and are ok with— the terms of your unique contract.
I want to introduce ALEX to you, a credit specialist. It’s so true that he has made life better and much easier for me and my wife. My name is LUCAS I found out that some credit repair companies here online can barely raise credit score. I’m saying this because I have been ripped off severally and it was'nt really a faulty experience. At first i wanted to purchase a house for me and my family however, I wasn't qualified as a result of poor credit report. These resulted to me being so troubled and frustrated. Not until came across a particular hacker who was spoken of everywhere on social media and on credit sites, I emailed him on [email protected] and we reached an agreement after some series of interrogations from him. He eventually fixed my credit and raised my score to what I have always wanted. I’m glad I didn't give up on my quest. He can fix a Chexsystem report and a DUI report as well. You can also text him on his direct number_+1 732 798 0864 and use his service as
If they want you to do a rent to own. get a contract or ask them to just sell it to you on a wrap and then you record the deed/contract. Even if the paperwork says “this document cant be recorded” (it’s bs) Recording anything does not invalidate it. But if you buy the property on a wrap around mortgage you need to make the payments directly to the lender. NOT THE PERSON YOU ARE BUYING IT FROM
The biggest con of rent-to-own for a seller is that if a willing buyer showed up on your doorstep offering full price (or more) for your home, you would have to refuse — your tenant’s lease option gives them that right exclusively during the contract term. If you lock in a purchase price initially (the most likely scenario), you may leave money on the table over a traditional sale if your home’s value climbs dramatically.
The Great Nevada Beer Tradition. Folks have been brewing beer in Nevada since before it achieved statehood. There are many outstanding breweries here, including Big Dog's Brewing Company, Sun City Brewing Company, Silver Peak Brewery and the Virginia City Brewing Company. People in Nevada like their suds so much that every year they stage the Nevada Beer Weeks, an ongoing beer extravaganza that lasts from May 13th through June 1st. The states' micro-breweries show their wares and offer tastings that bring beer enthusiasts back every year.
“As home prices rise and more and more cities are priced out of conforming loan limits and pushed into jumbo loans, the problem shifts from consumers to the home finance industry,” says Scholtz. With strict automatic underwriting guidelines and 20% to 40% down-payment requirements, even financially capable people can have trouble obtaining financing in these markets.
First, let’s talk about rent. A certain percentage of your rent will usually go toward the purchase price of the home. This is something you can, and should, negotiate with your landlord. One thing to keep in mind when you negotiate: Because of this credit, you will likely be paying more to rent the home than you otherwise would. For instance, a house that would normally go for $1,000 a month might go for $1,250, with the extra $250 saved as credit toward the home’s purchase. So if you seek a higher credit, your rent may rise accordingly. Also note that your lease will probably specify that if you’re late paying rent, you’ll lose that month’s rent credit.
I've heard people talk about online hacker that help repair bad credit score and report. I'm just a civil servant residing at Montana, I was at the peak of relocating to a new house with my family but depending on a mortgage loan in order to make it work. I was never approved due to low credit score and a few past evictions showing up on my credit report. Thanks to [email protected] for helping me out with removal of every negative items on my credit report and boosting my score to 759 within a few days time. Reach out to him for credit repairs using this number_(707)-500-1675.

I can’t forget Credit Wizard in haste. My husband declared bankruptcy 3 years ago and we just found out the mobile home we live in was included. We couldn’t get a mortgage until it is off our credit report. We have great references from our mortgage bank in writing. We couldn’t do anything until after we encountered THECREDITWIZARD at WRITEME dot COM on Trulia. Today we are in a house of our own, all negative items removed and score increased from 430 to 760. Thanks man.

I had made a huge mess on my credit report, years of a lot of debt. Initially, I was skeptical to pay the money to anyone to start the cleanup process. HACK-LIVE reassured me that everything would be OK, so I gave him a try, and to my greatest surprise. Everything worked out great. He helped me fix my credit report in less than 9 working days. It’s hard to live with bad credit. I’m very lucky to have found him on trulia as he is very nice and cares about his clients. I’m so glad that I chose to go with his service and would definitely recommend his service to my loved ones and to anyone looking to repair their credit, and wants it done right contact:[email protected] cheers from Lisa!!

Tenants who rent-to-own are often individuals who would have trouble buying a house through the traditional route because of poor credit, low income, or lack of a down payment. Rent-to-own gives them an opportunity for home ownership while living in the house they will eventually purchase and it also gives them a chance to discover flaws in the house before committing to purchasing it.

I know a group of hackers that can help fix your credit, because they helped me fix my credit, by increasing my credit and clearing negative items on my report, they offer legitimate services such as clearing bad records online that cannot be traced back to you. I read a lot of good reviews about them here and contacted them. They didn’t fail. Check them out;

This is a valuable alternative for buyers who otherwise wouldn't have the credit score or money saved to acquire their own home. And the sellers, eager to relieve themselves of the burden of the old home, earn this money whether or not the house sells once the leasing period expires. If, at the end of the contract the renter can't or chooses not to buy the house, the seller keeps all the money.
I saw someone left an info ([email protected]/ +1 205 346 7951) under a comment section on helping to repair credit. I was interested in knowing more and if they still does this. I had a poor credit score, an old bankruptcy and problems with getting approved for an apartment due to my two broken leases from the past which I explained to TROVIAN when I contacted them. They cleared off my credit records and boost my credit score to 805 plus (excellent) within just 10days of knowing them.
I was having little problem purchasing my dream house due to my eviction and other negatives on my credit report, when I searched who to help me remove the eviction on my credit report. I got a recommendation from Trulia about Credit Wizardon how he has helped so many people to fix their credit issues, I wrote him about the eviction on my credit report and he assured me he will remove the eviction on my credit report within five days. When I checked my credit report my credit score changed to 740 excellent and eviction removed automatically. I now have my dream home for my family. He is reliable. Contact him now on: [email protected] / +1 (972)534-5519.

Local Events and Festivals Naturally, you don't want to move to a new place only to find yourself with nothing to do once the move's over. Here are some past events in North Las Vegas that will give you a sense of what to expect from the city. Held August 2, 2013, Safe Summer Nights was hosted at the Richad Steele Health and Wellness Center. Featuring everything from face painting to health services information, this event was planned with families in mind. With free child immunizations also taking place, this was an event that parents found worthwhile. On April 27th and 28th, 2013, the Songkran celebration took place. For those who love learning about new cultures and trying out new foods, this is the kind of event you'll want to attend.
I have had a lot of bad experiences with credit repair companies and fake hackers, all the credit score they told me they boosted was actually false and all negatives on my report wasn’t cleaned. i was so disappointed and then I decided to try BULLCREDITREPAIR ..I have read a lot of recommendations about him which at first made me doubt his legitimacy but when I contacted him and told him exactly what I want him to do he got it done amazingly and showed me proof before I made the balance payment..I wish to recommend him to you all CONTACT- [email protected] text +1480 462 3869 You won't regret he work for you..
Transportation and CommutesLas Vegas has a lot of options for transportation, both public and private. RTC is one such public system that offers a bus service throughout the main city and other suburban areas in the valley. For a quick commute to the Strip from Downtown, or to reach the Convention Center or Town Square, a transit link exists called the Strip & Downtown Express. As you may expect, this service includes few stops, and is intended to ease congestion on the major traffic routes between the city's major hubs of activity. For drivers commuting into the city from outlying areas, two major interstates -- 15 and 515 -- cross over into downtown Las Vegas, making the city easily commutable. In addition, taxis are readily available for easy trips, and the city has a walkability rating that puts it at number 25 on the USA's most walkable cities.
It’s not easy believing someone you have never met in person and entrusting him with your money and personal information. After reading so many reviews online and decided to contact Hack West Credit Repair. I didn’t have so many things on my credit only about 17 accounts which include student loans. I needed to purchase a house but didn’t have a good credit. I wrote to Hack West and asked if he could be of help to me and how long it will take to effect changes on my report. I got a swift response assuring me that it’ll be possible. Lo and behold, Hack West jacked my score to 790 from 457 and deleted those ugly items from my profile in less than 6 days as against 15 days he promised not leaving any stone unturned. Kudos to them, I now has a great place I call my “Paradise”. Write them on: [email protected] or +1 (424) 307 2638
Home Partners of America is committed to making homeownership a reality for more people. The program provides a clear path to homeownership. Our process is easy, transparent, and built on a foundation of choice and flexibility. Home Partners is helping more people get into great homes, in neighborhoods they love, with the opportunity to build a more secure financial future.

As a result of the mortgage foreclosure crisis, banks have increased borrower scrutiny. On one hand, interest rates are still near record lows. On the other hand, mortgages have been difficult for some people to secure. Banks are requiring people to have better credit and longer employment histories than in past years, decreasing the possibility of homeownership for people who experienced job loss, foreclosure, bankruptcy, and other credit ailments as a result of the Great Recession.
For many, the rent-to-own home may be the best option. Also called a lease-to-own house, the process works similarly to a car lease: Renters pay a certain amount each month to live in the house, and at the end of a set period -- generally within three years -- they have the option to buy the house. Each month of rent they pay is income for the seller, while a portion of it goes toward a down payment to eventually buy the home.
I have been smiling all day, and this is because I just saw my credit report. Initially, I could have sworn it wasn’t mine considering how bad it was last month. Alas!!! In just 14 days my credit increased from 440 to 790, and the evictions were removed as well as the liens and negative records, all thanks to XAP CREDIT SOLUTION and their team of hackers, I am very pleased with their work and I lack words with which to appraise it, you can get through to them via Email: [email protected] Phone: (972) 597 9704. They are the fastest and efficient team of hackers. I wish to recommend them to you for such services.
Hi, I’m grace sawyer. This is not a drill; there is a group of hackers that can help sort all your issues. A high FICO score is very important and this company to the best of my knowledge understands how to make it happen, how do they do it? I don’t know but honestly, they did a great job of getting my credit up to a high 790. Not just that they also removed negative items on my report. HACK-LIVE has done it for me and I want the world to know about them. Contact them via [email protected]/ +1 (430) 201 0237. Ciao!

Renters also have to pay an option fee and then a rent premium. The option fee is a set amount that the renter pays the seller. If, at the end of the lease period, the renter buys the house, the option fee becomes part of the down payment. If the renter doesn't buy the house, the option fee becomes income for the seller. Rent premiums are an amount slightly above the typical rent, with a portion of that money going toward a down payment.
If you got any issues regarding boosting your credit score, don't hesitate to get in touch with Hack West Credit Repair. He came through for me when I needed it most. He deleted all the negative items on my credit report and helped me increase my credit score to 788 which is a golden score within 72 hours. There services are fast, secured and reliable without stress, Contact Hack West on (424) 307 2638 [email protected]

An important thing to consider that many buyers forget to include in their contracts is home maintenance responsibilities. Your agreement should state who is responsible for routine maintenance and extensive repairs. Local laws may complicate things, because in some areas, landlords are required to perform certain duties regardless of what your agreement states.
Hey there, just in case you intend to perform a total rejuvenation of your credit, I know a name that resounds, and that is XAP CREDIT SOLUTION, there job is fast and 100% legit, my profile has been wiped clean and my score is soaring in the 800s, they really helped me and I owe them gratitude and a very good review. I give them a 5star rating for their services. ([email protected] or Text 972 597 9704) that’s how to reach them. I insist you go for the best
I am engulfed with overwhelming excitement at the great results on my credit report, that have given me access to purchase a new home, car and other necessities. An unreserved gratitude to "ROCKBASE Credit Repair" who helped pay off my mortgage loans, raised my score to 805, deleted all negative items and hard inquiries on my report in 10 business days. Million thanks to [email protected], you can also reach them via (972) 449 1968. Their services are reliable and professional.
When you decide that rent-to-own is the right choice for you, you'll have to start looking for places that list RTO homes for sale. It might seem like a difficult thing to find at first, but several websites list them. One thing to note about these types of sites is some of them charge a fee to view information. Be sure to use a credit card rather than a debit card so you can more easliy dispute charges if you keep getting charged after you stopped using the service and contacted the company to cancel any ongoing subscriptions. It is hard to point out gotchas to specific websites while publishing an article like this because businesses can be bought & sold, and new owners may be more aggressive with monetizing customers than the old owner was.

For the past 7 – 9 months, I have been battling with my credit score because it was very low and I wanted to buy a home and carry on with a car loan. Making online research, I bumped into Mr. Zeek and his credit repair team. They helped me out in removal of all the negative items on my FICO report and increased my credit score up to 760+ within a nine(9) days interval. He got my report information and in 2 weeks my TU, EQ, EX, AND FICO was fixed.


TITANIUMREPAIRSERVICES is an awesome company that offers good services. All negative items hard inquires gone within 7 business days from my credit reports. They Helped me deleted all the errors from my report, my scores went from low 500s to high 700s. They also cleared all my credit card debts including student loans and bank loans from my report. I don’t know how they did it but my problems where over when they showed me evidence. I highly recommended to everyone here who wants to fix their credits. Their price is affordable and this company charge one time to fix credits. The charge is worth it. You can always hit them via: [email protected] Text (424) 245 2993.

Anyone looking to get their credit back on track should waste no more time, just contact DEBOOTH CREDIT SOLUTION with this number (562) 281-7621 and email them via [email protected] Having read reviews about them, I contacted them and explained the challenges I was facing with my credit. They asked me few questions and what’s required of me to get started with the job which I answered promptly and they promised to fix my credit within 9 business days. They really made great difference in boosting my credit score and also help get negative stuff off my report. They are very competent and also friendly. I highly recommend them!
How do I really thank this great team? My mortgage, Sprint, ATT debts that were worth over $400k was cleared by HACK WEST CREDIT REPAIR. I happened to know about Hack West through my cousin who they fixed his credit six months ago. I had a debt that was killing me seriously. I also had low credit score that has deprived me so many things over some time now, after I contacted [email protected] via mail and texted 424-307-2638 through his instruction I opened up to him and he promised to help me. Long story short, he asked me to pay some percentage so they can help clear my debts which I feel was moderate and I did today I’m free from whatever kind of debt and my score is in 756 range. Thanks to Kay for recommending Hack West.
HousingList provides buyers with a full database of rent-to-own, HUD Homes, and Foreclosure real estate in their area. Visit our library to learn more about what a rent-to-own home is, how to rent-to-own, and other common questions buyers have asked over the years. We work hard to keep this area updated with all the information you will need throughout the entire rent-to-own process. You can also get up-to-date news, tips and more on our blog.
I've been working hard towards making purchase of my dream house but my low credit score got me denied and all efforts unproductive. All these made my family incomplete and I had to search out for solutions from the internet. Awesome testimonies from past clients made me reach out to a credit repairer named Mr. Zeek, we got to work and he helped me remove all negative items on my credit report, boosting my credit score to mid 700 within a couple of days, forever grateful.
Read your contract closely and be sure you can handle the terms. The rent-to-own real estate contract should include the home price, the cost of rent, and the deadline for you to exercise your option to buy. It should specify what portion of the rent payment is credited toward the home purchase—or if you need to write two checks each month, for the rent and for the home payment—and under what circumstances the contract can be voided.
I was planning on securing a loan to get a house. I read blogs and post of how hackers helped people who were in need of removing negative items on their credit report which accumulated, I was heading on foreclosure, and it would be very difficult for me to own a home again, let alone get a good credit rating. Then I was introduced to a credit specialist online TROVIANCREDITREPAIR they got negative items removed from my report. I was skeptic at first but on the long run I was glad I made the decision to reach out to them. The effect on my credit score and my report was cleared of negative comments, for your hacking exploits I’ll say you reach the team via email ([email protected] +1 (205) 346-7951) you’ll be glad afterwards I guarantee you.
3 bedroom houses for rent in windsor ontario  There are numerous types of houses available near me the fact that available to get for anybody who would like to get a large house; here are a few specs for a big home that will assist you to end up getting your preferred house. We have a home that has an enormous size with five bedrooms, two bath rooms, a kitchen and dining area, a living space, and a large corridor that can be utilized for two persons. Your kitchen supplies the dishwasher, range, refrigerator, and micro wave. That home has its own rules. They might not really enable you to bring domestic pets, no negotiation about the purchase price, water warm water, gas, warmth and cooling should be paid by tenant other than the electrical as well as the sewer will end up being paid by the dog owner.
Million thanks to NobsCreditRepair!!! You think you’ve got a bad credit card, mine was really terrible. Fortunately, my hope got rekindled when I contacted Nobs through a friend’s recommendation. I was skeptical at first but decided to reach them because I needed to raise my credit score up so as to qualify for loans and other expenses, and to my greatest surprise they did beyond my expectation within a short time of 10 days. They raised my credit score from 430 to 806 and cleaned up my DUI report and Chex system. Now I can apply for loans and mortgage with ease. Need help fixing your credit card kindly E-mail: [email protected] or call via +1 (914) 768-9196
Meanwhile, banks have all but stopped underwriting home loans for less than $100,000. New banking regulations require significantly more time and paperwork, so these smaller loans tend to not be profitable for most banks nowadays. Rent-to-own homes tend to be most common in weak market areas where borrowers would need these smaller loans. Basically, rent-to-own provides an alternative for people who can’t make their way through today’s new banking system for one reason or another.
Reasons to enter into a lease option include the better use of a buyer's time and money by allowing a renter the time to secure financing, save money, reduce debt and acquire financing. Additionally, since the purchase option price of the home is usually fixed when the lease is signed, another plus in an up market can be when home values increase over the term of the lease while the fixed option price remains constant, a buyer/renter can actually be earning equity while renting. Done properly, a lease option can be quite a good deal for a buyer. On the down side, if the value of the property decreases over the term of the lease the buyer has lost nothing since he can simply walk away at the end of the lease term.
Will be located in the kitchen drawer unless your property was purchased from a foreclosure or short sale. If a mail box key is missing, you will need to go to the nearest post office with your lease and they will issue you a new one. Explain to them that the property was purchased from a foreclosure and there was no key when the property was purchased.
HousingList provides buyers with a full database of rent-to-own, HUD Homes, and Foreclosure real estate in their area. Visit our library to learn more about what a rent-to-own home is, how to rent-to-own, and other common questions buyers have asked over the years. We work hard to keep this area updated with all the information you will need throughout the entire rent-to-own process. You can also get up-to-date news, tips and more on our blog.
Traditionally, there are two different types of RTO options. Each strategy has its advantages and disadvantages, as well as reasons why sellers opt to do RTO for their properties. As long as a seller owns the home outright, they can choose to use the RTO strategy to sell the property. This includes condominiums, townhouses, single-family homes, and multi-family homes.

You’ll pay rent throughout the lease term. The question is whether a portion of each payment is applied to the eventual purchase price. As an example, if you pay $1,200 in rent each month for three years, and 25% of that is credited toward the purchase, you’ll earn a $10,800 rent credit ($1,200 x 0.25 = $300; $300 x 36 months = $10,800). Typically, the rent is slightly higher than the going rate for the area to make up for the rent credit you receive. But be sure you know what you're getting for paying that premium.
×