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Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

RANCHO SANTA FE, Calif. (KGTV) - A custom-built Rancho Santa Fe home with spectacular hilltop views is for sale for ,850,000.The estate is located in a gated community on one of San Diego’s highest points.With features like a Sub-Zero fridge, double oven, and two dishwashers, the home is optimized for entertaining.HOUSE TOUR: Rancho Santa Fe home high on a hilltopThe home is listed by Joy Bender and Robert Aumann with Pacific Sotheby’s Realty.7804 Camino de ArribaBedrooms: 4Full baths: 4Partial baths: 2Square feet: 6,804 536

Rep. Joaquin Castro, D-Texas, announced he is launching an investigation surrounding Secretary of State Mike Pompeo’s speech at the Republican National Convention. Pompeo’s speech is set to be broadcast during Tuesday’s portion of the RNC.Castro wants to probe whether the speech violates both the Hatch Act and State Department rules.The Hatch Act is intended to limit political activities by executive branch employees other than the president and vice president. While violating the Hatch Act is not criminal, there are potential civil fines for violations. The act also calls for violators of the act to be reprimanded or terminated from their positions if found in violation.But in the past, the Trump administration has not acted on violations of the Hatch Act. Most notably, the Office of the Special Counsel recommended that Trump aide Kellyanne Conway be removed from her White House post after allegedly violating the act multiple times. Pompeo is delivering his remarks during an official trip to Israel.“The Trump administration and Secretary Pompeo have shown a gross disregard not only of basic ethics, but also a blatant willingness to violate federal law for political gain. Congress has a responsibility to stand up for the rule of law and hold them accountable for this corrupt behavior,” said Castro. “It’s absolutely unacceptable that a sitting U.S. Secretary of State, America’s top diplomat, would use official taxpayer-funded business to participate in a political party convention, particularly after the State Department published guidance that explicitly prohibits such activity.”Sources told CNN that White House, State Department, RNC and Pompeo’s personal lawyers all signed off on the speech. CNN also reported that the State Department claimed that no taxpayer funds were used by Pompeo to deliver the speech.While there are concerns that having Trump administration officials participate in political activities is toeing what’s legal under federal law, it is certainly unprecedented. There has not been an active secretary of state in recent times who has held a speaking role at a political convention.ABC News reported that then Secretary of State Colin Powell would not participate in the 2004 Republican National Convention due to ethics concerns.“As secretary of state, I am obliged not to participate in any way, shape, fashion, or form in parochial, political debates. I have to take no sides in the matter," Powell said, according to ABC News. 2492

Reporting on data from a Phase II trial of the vaccine, the authors write that volunteers in the trial demonstrate similar neutralising antibody titres and T cell responses across all three age groups of 18-55, 56-79, and 70+. pic.twitter.com/8oBZNJEBTn— University of Oxford (@UniofOxford) November 19, 2020 316

RANCHO SANTA FE, Calif. (KGTV) - North County’s Helen Woodward Animal Center will get “pawliticians” involved in Tuesday’s elections with special poll visits by adoptable dogs.The animal shelter will take four puppies to the Rancho Santa Fe library at 17040 Avenue De Acacias to meet voters between 7 and 9 a.m. “The political temperature is tough right now,” said Helen Woodward Adoption Services Manager Ashley Freeman.  “We are hearing that a record-number of people plan to vote tomorrow and that party lines are more sharply drawn than ever before.  It could be tense out there but a cute fuzzy face is something we can all get behind.” Pets are known to lower blood pressure, decrease anxiety, and increase positivity, shelter officials say.For more information on the candiPETS or to apply to adopt them, please visit the center's website, call 858-756-4117 ext. 313 or visit Helen Woodward Animal Center at 6461 El Apajo Road in Rancho Santa Fe. 986