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Mortgage rates have been low for months, but currently, about 19 million homeowners who are eligible to refinance haven't cashed in.According to data analytics firm Black Knight, these homeowners have a credit score of 720 or more and at least 20% equity in their homes. They could save nearly 0 a month on average.A new survey by YouGov for Forbes Advisor found that 34% of homeowners say they’re not sure refinancing is worth it.A mortgage analyst at Forbes Advisor says one reason people may be hesitant is they don't want to deal with banks that are overloaded with applications right now.“Borrowers really need to advocate for themselves, so make sure that you call your lender if you haven't heard from them in over a week let’s say or just really stay on top of it and at the end of the day. If you're not getting the service that you want, there are many other lenders that would be happy to get your business,” said Natalie Campisi, Mortgage Analyst at Forbes Advisor.Another reason you should act now if you've been considering refinancing, is there's a new fee. It starts on December 1, but your loan may not be processed before then if you don't start the process now.“What you want to do is talk to your lender,” said Campisi. “If you decide to apply for a loan, ask them, say you know will you roll this fee into the cost of my loan, which some lenders are doing, and find out some lenders might be able to process your application before December 1.”Campisi says you can benefit the most from refinancing if you're not planning to move within the next few years. Also, if you have more than 10 years left on your mortgage.You also need to consider closing costs that can average around ,000. Most experts recommend you need to be saving at least 0 a month to make those costs worth it. 1816
MIRAMAR, Calif. (KGTV) — University City neighbors are concerned with the F-35 coming to MCAS Miramar, saying it will be noisier and less safe.Tuesday night, a post on Nextdoor lit up talking about a fighter jet buzzing homes."When I hear the noise, I just think this is the sound of freedom. This is all about the sound of freedom, but I just also want to hear about safety and I'm not hearing the word safety," neighbor Don Hotz said.He's spoken with 10News before, concerned about flight paths Marines take. Several people have been emailing the base since September 2018, creating two binders full of papers. One concern points to a recent Environmental Impact Report draft by the Air Force, suggesting the noise from the F-35 could make neighborhoods in Idaho uninhabitable.Captain Matthew Gregory, MCAS Miramar director of communications, says the document remains unapproved and un-finalized. In Miramar, they've conducted several studies on noise and environmental impact, ensuring it is safe to bring the jets near the surrounding neighborhoods."On take off the F-35 is 2 decibels louder than the F/A-18 however when they're coming in to land, or in their normal flight, an F-35 is 10 or 11 decibels quieter so that's going to help in the noise reduction of the base," Gregory said. He added, over the next 10 years as the F-35 phases out F/A-18s and AV-8B Harriers, the base will get slightly quieter."The engine noise itself has a higher pitch, we're going to notice it a lot more even if it's quieter," Gregory said. He explained the higher pitch is due to a single technologically advanced engine.Neighbors are concerned a single engine plane is more dangerous. Gregory said there's nothing to worry about."It can be more reliable, it's going to cut down on maintenance costs because you're working on one engine instead of two engines. It's going to have increased range and potentially speed because it's lighter overall," he said.Gregory adds the base runs about a third as many aircraft a year compared to when the Navy operated the base. 2063

MILWAUKEE – Drivers for the Milwaukee County Transit System admit they see some strange things along their routes. But this week, one driver could not believe his eyes when he saw a chase — between two animals -— unfold right in front of his bus in Milwaukee's Riverwest neighborhood. Bus surveillance camera shows a coyote sprinting down Holton Street – being chased by a small black cat.The coyote was a surprising enough sight for the bus driver – but the cat made the moment “a first” for the transit system. The Milwaukee County Transit System released the video on their Facebook page and said: 661
NATIONAL CITY (KGTV) -- Police in National City are searching for several suspects who reportedly robbed a jewelry store early Tuesday afternoon. According to police, three suspects entered the Eclipse Jewelry store just before 12:30 p.m. The suspects, only described as police as three black men, smashed three to six jewelry cases and got away with an unknown amount of jewelry. RELATED: Good Samaritan picks up diamond ring dropped by jewelry store robber, witnesses sayAfter leaving the store, police say the suspects ran to a getaway car on North 2nd Avenue. Police are looking into whether or not this incident is linked to a string of jewelry store robberies in late 2018 and early 2017. Between December of 2018 and February of 2019, at least three other jewelry stores throughout San Diego County were robbed in a similary manner. Check out the map below to see where the other jewelry stores were located: 924
NASA has unveiled its billion plan to send the first woman to the moon.On Monday, the agency said they hope to have a woman and man land on the moon in 2024.“With bipartisan support from Congress, our 21st-century push to the Moon is well within America’s reach,” said NASA Administrator Jim Bridenstine in the press release. “As we’ve solidified more of our exploration plans in recent months, we’ve continued to refine our budget and architecture. We’re going back to the Moon for scientific discovery, economic benefits, and inspiration for a new a generation of explorers. As we build up a sustainable presence, we’re also building momentum toward those first human steps on the Red Planet.”The last time humans landed on the lunar surface was 1972, the agency said.While on the moon, the astronauts will collect samples and conduct experiments for a week before heading home on Orion. 901
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