'$2y$12$6iyKwObB3zokmhwUuBhXxuB3/ZenHS4aosToHJJK0Yl3JgY1S80sy',
);
// Readonly users
// e.g. array('users', 'guest', ...)
$readonly_users = array(
'user'
);
// Global readonly, including when auth is not being used
$global_readonly = false;
// user specific directories
// array('Username' => 'Directory path', 'Username2' => 'Directory path', ...)
$directories_users = array();
// Enable highlight.js (https://highlightjs.org/) on view's page
$use_highlightjs = true;
// highlight.js style
// for dark theme use 'ir-black'
$highlightjs_style = 'vs';
// Enable ace.js (https://ace.c9.io/) on view's page
$edit_files = true;
// Default timezone for date() and time()
// Doc - http://php.net/manual/en/timezones.php
$default_timezone = 'Etc/UTC'; // UTC
// Root path for file manager
// use absolute path of directory i.e: '/var/www/folder' or $_SERVER['DOCUMENT_ROOT'].'/folder'
$root_path = $_SERVER['DOCUMENT_ROOT'];
// Root url for links in file manager.Relative to $http_host. Variants: '', 'path/to/subfolder'
// Will not working if $root_path will be outside of server document root
$root_url = '';
// Server hostname. Can set manually if wrong
// $_SERVER['HTTP_HOST'].'/folder'
$http_host = $_SERVER['HTTP_HOST'];
// input encoding for iconv
$iconv_input_encoding = 'UTF-8';
// date() format for file modification date
// Doc - https://www.php.net/manual/en/function.date.php
$datetime_format = 'm/d/Y g:i A';
// Path display mode when viewing file information
// 'full' => show full path
// 'relative' => show path relative to root_path
// 'host' => show path on the host
$path_display_mode = 'full';
// Allowed file extensions for create and rename files
// e.g. 'txt,html,css,js'
$allowed_file_extensions = '';
// Allowed file extensions for upload files
// e.g. 'gif,png,jpg,html,txt'
$allowed_upload_extensions = '';
// Favicon path. This can be either a full url to an .PNG image, or a path based on the document root.
// full path, e.g http://example.com/favicon.png
// local path, e.g images/icons/favicon.png
$favicon_path = '';
// Files and folders to excluded from listing
// e.g. array('myfile.html', 'personal-folder', '*.php', ...)
$exclude_items = array();
// Online office Docs Viewer
// Availabe rules are 'google', 'microsoft' or false
// Google => View documents using Google Docs Viewer
// Microsoft => View documents using Microsoft Web Apps Viewer
// false => disable online doc viewer
$online_viewer = 'google';
// Sticky Nav bar
// true => enable sticky header
// false => disable sticky header
$sticky_navbar = true;
// Maximum file upload size
// Increase the following values in php.ini to work properly
// memory_limit, upload_max_filesize, post_max_size
$max_upload_size_bytes = 5000000000; // size 5,000,000,000 bytes (~5GB)
// chunk size used for upload
// eg. decrease to 1MB if nginx reports problem 413 entity too large
$upload_chunk_size_bytes = 2000000; // chunk size 2,000,000 bytes (~2MB)
// Possible rules are 'OFF', 'AND' or 'OR'
// OFF => Don't check connection IP, defaults to OFF
// AND => Connection must be on the whitelist, and not on the blacklist
// OR => Connection must be on the whitelist, or not on the blacklist
$ip_ruleset = 'OFF';
// Should users be notified of their block?
$ip_silent = true;
// IP-addresses, both ipv4 and ipv6
$ip_whitelist = array(
'127.0.0.1', // local ipv4
'::1' // local ipv6
);
// IP-addresses, both ipv4 and ipv6
$ip_blacklist = array(
'0.0.0.0', // non-routable meta ipv4
'::' // non-routable meta ipv6
);
// if User has the external config file, try to use it to override the default config above [config.php]
// sample config - https://tinyfilemanager.github.io/config-sample.txt
$config_file = __DIR__.'/config.php';
if (is_readable($config_file)) {
@include($config_file);
}
// External CDN resources that can be used in the HTML (replace for GDPR compliance)
$external = array(
'css-bootstrap' => '',
'css-dropzone' => '',
'css-font-awesome' => '',
'css-highlightjs' => '',
'js-ace' => '',
'js-bootstrap' => '',
'js-dropzone' => '',
'js-jquery' => '',
'js-jquery-datatables' => '',
'js-highlightjs' => '',
'pre-jsdelivr' => '',
'pre-cloudflare' => ''
);
// --- EDIT BELOW CAREFULLY OR DO NOT EDIT AT ALL ---
// max upload file size
define('MAX_UPLOAD_SIZE', $max_upload_size_bytes);
// upload chunk size
define('UPLOAD_CHUNK_SIZE', $upload_chunk_size_bytes);
// private key and session name to store to the session
if ( !defined( 'FM_SESSION_ID')) {
define('FM_SESSION_ID', 'filemanager');
}
// Configuration
$cfg = new FM_Config();
// Default language
$lang = isset($cfg->data['lang']) ? $cfg->data['lang'] : 'en';
// Show or hide files and folders that starts with a dot
$show_hidden_files = isset($cfg->data['show_hidden']) ? $cfg->data['show_hidden'] : true;
// PHP error reporting - false = Turns off Errors, true = Turns on Errors
$report_errors = isset($cfg->data['error_reporting']) ? $cfg->data['error_reporting'] : true;
// Hide Permissions and Owner cols in file-listing
$hide_Cols = isset($cfg->data['hide_Cols']) ? $cfg->data['hide_Cols'] : true;
// Theme
$theme = isset($cfg->data['theme']) ? $cfg->data['theme'] : 'light';
define('FM_THEME', $theme);
//available languages
$lang_list = array(
'en' => 'English'
);
if ($report_errors == true) {
@ini_set('error_reporting', E_ALL);
@ini_set('display_errors', 1);
} else {
@ini_set('error_reporting', E_ALL);
@ini_set('display_errors', 0);
}
// if fm included
if (defined('FM_EMBED')) {
$use_auth = false;
$sticky_navbar = false;
} else {
@set_time_limit(600);
date_default_timezone_set($default_timezone);
ini_set('default_charset', 'UTF-8');
if (version_compare(PHP_VERSION, '5.6.0', '<') && function_exists('mb_internal_encoding')) {
mb_internal_encoding('UTF-8');
}
if (function_exists('mb_regex_encoding')) {
mb_regex_encoding('UTF-8');
}
session_cache_limiter('nocache'); // Prevent logout issue after page was cached
session_name(FM_SESSION_ID );
function session_error_handling_function($code, $msg, $file, $line) {
// Permission denied for default session, try to create a new one
if ($code == 2) {
session_abort();
session_id(session_create_id());
@session_start();
}
}
set_error_handler('session_error_handling_function');
session_start();
restore_error_handler();
}
//Generating CSRF Token
if (empty($_SESSION['token'])) {
if (function_exists('random_bytes')) {
$_SESSION['token'] = bin2hex(random_bytes(32));
} else {
$_SESSION['token'] = bin2hex(openssl_random_pseudo_bytes(32));
}
}
if (empty($auth_users)) {
$use_auth = false;
}
$is_https = isset($_SERVER['HTTPS']) && ($_SERVER['HTTPS'] == 'on' || $_SERVER['HTTPS'] == 1)
|| isset($_SERVER['HTTP_X_FORWARDED_PROTO']) && $_SERVER['HTTP_X_FORWARDED_PROTO'] == 'https';
// update $root_url based on user specific directories
if (isset($_SESSION[FM_SESSION_ID]['logged']) && !empty($directories_users[$_SESSION[FM_SESSION_ID]['logged']])) {
$wd = fm_clean_path(dirname($_SERVER['PHP_SELF']));
$root_url = $root_url.$wd.DIRECTORY_SEPARATOR.$directories_users[$_SESSION[FM_SESSION_ID]['logged']];
}
// clean $root_url
$root_url = fm_clean_path($root_url);
// abs path for site
defined('FM_ROOT_URL') || define('FM_ROOT_URL', ($is_https ? 'https' : 'http') . '://' . $http_host . (!empty($root_url) ? '/' . $root_url : ''));
defined('FM_SELF_URL') || define('FM_SELF_URL', ($is_https ? 'https' : 'http') . '://' . $http_host . $_SERVER['PHP_SELF']);
// logout
if (isset($_GET['logout'])) {
unset($_SESSION[FM_SESSION_ID]['logged']);
unset( $_SESSION['token']);
fm_redirect(FM_SELF_URL);
}
// Validate connection IP
if ($ip_ruleset != 'OFF') {
function getClientIP() {
if (array_key_exists('HTTP_CF_CONNECTING_IP', $_SERVER)) {
return $_SERVER["HTTP_CF_CONNECTING_IP"];
}else if (array_key_exists('HTTP_X_FORWARDED_FOR', $_SERVER)) {
return $_SERVER["HTTP_X_FORWARDED_FOR"];
}else if (array_key_exists('REMOTE_ADDR', $_SERVER)) {
return $_SERVER['REMOTE_ADDR'];
}else if (array_key_exists('HTTP_CLIENT_IP', $_SERVER)) {
return $_SERVER['HTTP_CLIENT_IP'];
}
return '';
}
$clientIp = getClientIP();
$proceed = false;
$whitelisted = in_array($clientIp, $ip_whitelist);
$blacklisted = in_array($clientIp, $ip_blacklist);
if($ip_ruleset == 'AND'){
if($whitelisted == true && $blacklisted == false){
$proceed = true;
}
} else
if($ip_ruleset == 'OR'){
if($whitelisted == true || $blacklisted == false){
$proceed = true;
}
}
if($proceed == false){
trigger_error('User connection denied from: ' . $clientIp, E_USER_WARNING);
if($ip_silent == false){
fm_set_msg(lng('Access denied. IP restriction applicable'), 'error');
fm_show_header_login();
fm_show_message();
}
exit();
}
}
// Checking if the user is logged in or not. If not, it will show the login form.
if ($use_auth) {
if (isset($_SESSION[FM_SESSION_ID]['logged'], $auth_users[$_SESSION[FM_SESSION_ID]['logged']])) {
// Logged
} elseif (isset($_POST['fm_usr'], $_POST['fm_pwd'], $_POST['token'])) {
// Logging In
sleep(1);
if(function_exists('password_verify')) {
if (isset($auth_users[$_POST['fm_usr']]) && isset($_POST['fm_pwd']) && password_verify($_POST['fm_pwd'], $auth_users[$_POST['fm_usr']]) && verifyToken($_POST['token'])) {
$_SESSION[FM_SESSION_ID]['logged'] = $_POST['fm_usr'];
fm_set_msg(lng('You are logged in'));
fm_redirect(FM_SELF_URL);
} else {
unset($_SESSION[FM_SESSION_ID]['logged']);
fm_set_msg(lng('Login failed. Invalid username or password'), 'error');
fm_redirect(FM_SELF_URL);
}
} else {
fm_set_msg(lng('password_hash not supported, Upgrade PHP version'), 'error');;
}
} else {
// Form
unset($_SESSION[FM_SESSION_ID]['logged']);
fm_show_header_login();
?>
Getting an opposing Home loan for the a cellular Family
Article Mention: The content on the post is dependent on the fresh author’s views and you may advice by yourself. May possibly not have been assessed, commissioned otherwise endorsed from the any of our circle lovers.
Whenever you are 62 or elderly and you may reside in a mobile otherwise are created household, an opposite home loan might allows you to transfer area of the security you have produced in your residence with the old-age earnings if you’re staying put in your house. Although not, mobile residential property aren’t the same once the are produced house. To see if your be eligible for an other home loan, you are able to very first need see the big date in the event the family are created.
Would you get a face-to-face financial toward a mobile family?
The way to get a reverse mortgage are formulated household
Simple tips to get a reverse mortgage on the a manufactured domestic
Could you get a reverse financial to your a mobile household?
Zero, it’s not possible to rating a reverse mortgage into the a cellular home, but you could possibly qualify for an opposite mortgage if you reside inside the a produced home-built just after June 15, 1976. You to go out is key: Because the terminology “are produced home” and you can “mobile house” usually are utilized interchangeably, this new You.S. Department away from flex loan online Homes and Metropolitan Invention (HUD) didn’t begin controlling factory-created property until 1976. Because of this, mobile home mainly based just before after that will most likely not qualify for funding given that they won’t fulfill design and safeguards guidance built from the HUD to have are manufactured homes.
Appointment these guidelines is specially important while you are hoping to get the most used sorts of opposite mortgage having a made domestic, a home Equity Conversion process Home loan (HECM) backed by the Government Houses Management (FHA) to protect each other lenders and you will consumers.
Getting an opposite home loan are available house
The newest FHA additionally the HUD put the fresh requirements to have obtaining a HECM financing. For a made home to be eligible, borrowers will need to make certain that their home meets the second standards:
As well as appointment specific criteria to possess are available house, you also need in order to satisfy might qualifications conditions to own a great opposite mortgage, such as the pursuing the:
Tips submit an application for a reverse home loan to your a created family
Meet qualifications and you can assets requirements: Your residence should meet particular FHA requirements which cover how if in case it actually was established, such as for instance shortly after June fifteen, 1976. As the borrower, you will need certainly to see certain age, equity, economic and you will house criteria.
Talk with an excellent HUD acknowledged therapist: Your specialist will explain to you how much the loan costs and how a contrary mortgage you’ll connect with your finances. By law, the specialist is even needed to take you step-by-step through any possible options so you’re able to a great HECM, and make it easier to examine the expenses various opposite mortgages, like those offered by private loan providers, or particular condition and you can state providers.
Get a hold of a beneficial HUD-accepted financial: You will have to focus on a keen HUD-approved financial so you’re able to be eligible for new HECM reverse financial.
Provides a home appraisal: A home assessment from a licensed a residential property appraiser offers your an unbiased view of your own are created residence’s value and ensure you’re not borrowing more the home may be worth. New appraisal together with determines exactly how much you’ll be able to pay inside bank charge.
Decide how we want to receive fee: While the you happen to be making use of your own house’s equity as opposed to credit currency to cover your house, you will get costs, instead of leading them to. You might choose have this fee come because a swelling sum, a month-to-month distribution, or reduced round the a certain title (such as for example an appartment number of months) or as a consequence of a personal line of credit.
Like most variety of big financial decision, you should meticulously consider the pros and you will disadvantages off an excellent opposite home loan ahead of continuing having one to to suit your manufactured domestic.
Will help finance retirement. Even if you very own your property outright, you might find it is difficult affording bills throughout the old age. An other mortgage might help render dollars to own expenditures eg wellness care, buying a beneficial grandchild’s degree, or travelling if you are way of life with the a predetermined money.
Throws existing family guarantee to be hired. When you yourself have heirs, you could worry you to definitely an opposite mortgage you’ll shortchange its inheritance. Although not, a face-to-face financial also can enable you to make use of the latest rewarding guarantee you really have in your home to make use of today.
An inexpensive replacement for a great HELOC. Property equity personal line of credit (HELOC) allows you to tap into the brand new guarantee you possess of your property, nevertheless however need and work out monthly premiums toward lent money, an amount that particular retirees may possibly not be capable afford.
Upfront and continuing costs. Just like a traditional home loan, your own contrary mortgage can come with more can cost you, including financial and you may maintenance fees and you may mortgage insurance.
Insurance premiums implement. You will additionally have to pay a first mortgage top one try 2% of home’s worth and additionally a yearly mortgage insurance policies premium (MIP) that is 0.5% of your loan amount.
Different appeal charges. A face-to-face home loan always is sold with a variable interest, which means that the pace placed into your loan harmony each month can vary. In the event the rates increase, you will end up remaining which have smaller equity of your house.
No quick taxation deduction. Unlike conventional home loan notice, the interest you have to pay for the a face-to-face home loan cannot be subtracted on your own yearly taxation go back unless you completely repay new loan.
Installment may be needed very early. In case the citizen moves, becomes deceased or does not shell out home insurance otherwise possessions income tax, the borrowed funds must end up being paid down sooner than requested, possibly putting a monetary strain on the homeowner or towards the heirs. When you look at the a terrible case scenario, it could end in a contrary financial foreclosure.
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