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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
Nearly 2 million people call Nashville and its surrounding communities home, and now only one clinic in the region is available for women to get abortions.That's after Nashville's only other clinic, “The Women's Center,” abruptly shut its doors over the weekend. 275

MOAB, Utah — After a suddenly world-famous "monolith" of unknown origin was removed by an unknown person or group late Friday night, the Bureau of Land Management (BLM) said there was a sharp increase in visitors to the area — many of whom failed to follow fundamental rules of recreating on public land.The installation itself, the BLM pointed out, was illegal — although the agency added that for some, it was "a welcome distraction from the 2020 news cycle."The BLM added that it did not remove the monolith or call for its removal and was in the midst of investigating where it came from when it vanished.The agency was concerned that the area was not "developed for heavy visitation," yet throngs of people showed up, mostly during Thanksgiving week.The agency said that many visitors parked their vehicles on vegetation and drove off of designated roads and trails, both of which are illegal. They also said some visitors left behind human waste since there were no bathrooms in the area. 1002
MURRIETA, Calif. (KGTV) - A gas company worker died and 15 people were injured Monday after a home exploded and caught fire in Murrieta, officials said. The explosion happened just after noon in a residential area of the Riverside County city near the intersection of Clinton Keith Road and Smith Ranch. Murrieta Fire crews went to the home on Wooden Horse Trail about 11 a.m. due to a report of a ruptured gas line and a gas leak, said Murrieta deputy fire Chief David Lantzer.The explosion happened just after noon, sending 15 people to the hospital. One SoCal Gas worker died."We are incredibly saddened that we have a loss of one of our employees today," said SoCal Gas public information officer Randon Lane.Firefighters fought flames for about two hours after the blast. The area was closed to residents, Murrieta Police reported. 844
My thoughts on the current state of our politics: pic.twitter.com/oYY4zlX6ZP— Mitt Romney (@MittRomney) October 13, 2020 134
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