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Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063

Madonna says she meant no d-i-s-r-e-s-p-e-c-t when she shared a story about her connection to the late Aretha Franklin during the MTV's Video Music Awards on Monday night.Madonna said she was asked to present the award for video of the year at the VMAs and told to "share any anecdotes I had in my career connected to Aretha Franklin." But she did "not intend to do a tribute to her," according to a post the singer shared on Instagram."I shared a part of my journey and thanked Aretha for inspiring me along the way. I did not intend to do a tribute to her!" Madonna wrote. "That would be impossible in 2 minutes with all the noise and tinsel of an award show. I could never do her justice in this context or environment." 751

Lowe's announced Monday, November 5 that they will be closing 51 stores in the United States and Canada.The home improvement store said in a press release the locations are underperforming.All 51 North American stores will be closed by Feb. 1, 2019.Here are all the locations that will be closing, according to the company's press release.U.S.Alabama 358

Marine Sergeant Richard Murphy was missing in action for more than seven decades in a World War II battle on the Pacific front.Murphy’s amphibious landing craft got stuck on a reef and everyone had to abandon ship to get to shore. He stayed behind to help another wounded Marine."That’s when shell fire came in and blew up the craft and Uncle Richard and his fellow marine were never seen again alive," said Jerry Murphy, Richard’s nephew.Jerry and his cousin Jeanne Robinson’s DNA were used to identify Richard’s remains that washed up on the beach in Sia Pan in 1944. Jerry, along with his cousins, had never met Sergeant Murphy, yet the family bond is strong."It’s an amazing family experience it’s got us all here together," said Jerry.Sgt. Murphy had more than just his duties as a fighting Marine."Uncle Richard, in addition to carrying his pack as a marine and his M-1 rifle, had a typewriter with him because he was a war correspondent," said Jerry.Funerals are usually a solemn occasion."But this is a celebratory time,"Jerry said. "It’s a happy and upbeat type of event and so extraordinary."Robinson is Sgt. Murphy’s niece and never met her uncle but was well aware of his military achievements. "He was always with us. He was that handsome Marine looking out of the picture frame, he was that empty chair at Thanksgiving, he was always the person we heard stories about," said Robinson.And the man of those stories is home where the family finally could reach out and touch their uncle — a Marine, an American, a hero. One of Sgt. Murphy’s last correspondents home was to his mother. "He said, 'you know, I don’t want to die but I’m not afraid to die for my county' and that just makes us oh so proud of Uncle Richard," said Jerry.Sgt. Murphy will now spend eternity on American soil, right next to his mother.   1877

Millions of Americans will head to the polls on Tuesday. Many will undoubtedly run into problems trying to cast their vote — be it long lines, language barriers, or intimidation tactics.But remember, all Americans are afforded certain rights when they perform their civic duty — and it's vital that everyone know those rights to ensure every vote is counted.According to the American Civil Liberties Union, these rights are afforded to every voter.Anyone who feels that their right to vote was infringed upon can call the Voter Hotline at 866-OUR-VOTE. The hotline is run by Election Protection, a coalition of lawyer's groups dedicated to voting rights.Voting logisticsIt's not uncommon for polling stations to see long lines on Election Day. But as long as a voter gets in line before that polling station closes, they have the right to vote. Even if there are still hundreds of people ahead of you in line as the polls are closing, stay in line — you will still be allowed to vote.Voters are also allowed to ask for a new ballot if they believe they've made a mistake. All voters should also be given the right to vote on a paper ballot if electronic machines are down.Registration issuesShould a poll worker tell you that you are not listed on a list of registered voters, take the following steps:Have the worker double-check the spelling of your nameAsk if there is a supplemental list of voters.Confirm you are at the correct polling station. If not, ask where your assigned polling station is and how to get there.If the poll worker cannot find your name, ask them to check a statewide system or contact your state's primary election office.Anyone still having issues voting can also vote provisionally. That means a voter can even cast their ballot, but state officials will need to confirm the registration before it is counted. If and when the state guarantees that the voter is registered, the vote is counted.In addition, many states allow voters to register on Eleciton Day. Those states are Alaska, California, Connecticut, Washington, D.C., Hawaii, Idaho, Illinois, Iowa, Maine, Maryland, Michigan, Minnesota, Montana, Nevada, New Hampshire, Rhode Island, Utah, Vermont, Washington, Wisconsin and Wyoming. Voters who register the day of the election in Alaska and Rhode Island are only permitted to vote for President.Rights for voters with disabilitiesFederal law requires that all polling stations be fully accessible to all Americans, including those with disabilities. That law includes not just physical disabilities, but it also covers conditions like vision impairment and dyslexia. All polling stations should consist of at least one booth with a voting system that allows those with disabilities to vote privately and independently.Those with disabilities that prevent them from communicating can also receive help from a person of their choice, so long as that person is not their employer, an "agent" of their employer, or an officer of their worker's union.Finally, poll workers must provide "reasonable accommodations" and help voters with disabilities if they can. They cannot deny a voter with a mental disability the right to vote because they feel they are not qualified.Voters with disabilities should also be comfortable asking poll workers if they feel they are unable to stand in line or have other physical limitations that would prevent them from voting.Language barriersUnder the Voting Rights Act, individual counties are required to provide "bilingual assistance to voters in specific languages." Those counties are required to provide all election materials in those languages.Voters who don't speak English can also bring a helper, as long as they are not an employer, an agent of their employer, or a member of their union.Voter intimidationIt is illegal to intimidate, threaten or attempt to coerce a voter at a polling station, and anyone who does would be charged with a federal crime. Forms of intimidation may include:Anyone who questions your citizenship or criminal recordAnyone that falsely identifies themselves as a poll workerAnyone spreading misinformation at a polling stationBe sure to keep an eye out for familiar sources of misinformation at the polls.Speaking or reading English is not a requirement to vote.Voters do not need to pass a test to vote.Some states do not require a photo ID to vote.Anyone who believes they have been victims of voter intimidation can offer a sworn statement to a poll worker and then cast their ballot. Voters can also call the Voter Hotline at 866-OUR-VOTE for help. 4568

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