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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

Miss Nebraska has been named Miss USA. Sarah Rose Summers beat out 50 other women from all the states and the District of Columbia to take the title in Shreveport, La. At the start of the two-hour broadcast on Fox, the competition was immediately narrowed down to 15 contestants according to how they performed during preliminary rounds held in the days before Monday's broadcast.Then the field was narrowed down during the evening gown, swimsuit and interview portions of the competition.Summers, Sarah Summers is 2013 graduate of Papillion-La Vista South High School, takes over from Kara McCullough, who won the competition last year when it was held in Las Vegas.Summers now goes on to represent the U.S. in the Miss Universe competition.Summers attended Texas Christian University and graduated cum laude in four years, completing two separate degrees, a Bachelor of Science in child development and a Bachelor of Science in strategic communication with a business minor. 1004

NATIONAL CITY, Calif. (KGTV) -- A lawsuit was filed Wednesday against National City over the death of a man who died in police custody. The lawsuit, filed by the family of Earl McNeil, names National City as well as several officers and deputies. McNeil showed up at the National City Police Department in 2018 seeking help. RELATED: No criminal charges to be filed in National City Police custody death of Earl McNeilPolice say he made threats and admitted he had drugs. McNeil died in jail from a heart attack. According to the medical examiner, McNeil had high levels of methamphetamine in his system when he died. The lawsuit claims officers used excessive force and failed to give him proper medical care. The family is seeking an unspecified amount of damages. 10News reached out to National City Police and the San Diego County Sheriff’s Department but has yet to hear back. 890

Missing Person Holly Suzanne Courtier Found at Zion National Park. She has been reunited with her family. pic.twitter.com/DdAySxn5Dj— Zion National Park (@ZionNPS) October 18, 2020 194

Multiple cell phones, scopes, two rifles and more than 1,000 rounds of ammunition were found by police during a search of Travis Reinking's Antioch apartment. In an affidavit from Metro Nashville Police, detectives searched Reinking's Discovery at Mountain View apartment and took a number of items. The two rifles were a CZ 452-2EZKM .22 caliber and a Remington 30-06.Police found hundreds of .22 caliber rifle bullets, 87 30-06 bullets, 30 .223 bullets, 29 .45 bullets and 43 .22 caliber bullets.They also found four cell phones, two scopes, a notebook, a safe and several computers. The affidavit describes Reinking's apartment as a one-bedroom apartment. Police said he has been living there for three months. Inside of Reinking's truck that was left at the Waffle House, police found two checks made out to "Travis J. Rankins [sic]." Also, police found an iPod and a Buck Knife with a black sheath.Assorted documents and papers were found in both the apartment and the truck, though what information they contain was not specified. Click here for the complete list of items found.It's unclear what contents police found in Reinking's safe.More Stories: 1250