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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

Remington Arms, weighed down by lawsuits and retail sales restrictions following the Sandy Hook school massacre, is seeking bankruptcy protection for the second time in as many years. The nation’s oldest gunmaker listed assets and liabilities of between 0 million and 0 million. Gun sales have slumped, as they typically do, under a Republican administration, because gun owners are not as compelled to stockpile weapons out of fear that Congress will create tougher gun-control laws. But the past three years have been particularly volatile, fueled in part by a mass shooting in Las Vegas and other high-profile mass killings that have led retail chains to restrict sales, or removed guns completely from stores. 727

RANCHO PENASQUITOS -- A group of residents in Rancho Pe?asquitos is sounding the alarm about a trio of dense developments that could add 1,500 housing units within 1.5 miles of each other.The group, called PQ-NE Action, notes the northwest part of Rancho Pe?asquitos only has one road in and out. They are raising concerns that the road could not handle the influx in the case of an emergency, such as a wildfire evacuation. "We fully understand things are going to change, but not change to a point where the neighborhood becomes threatened from a safety standpoint," said Junaid Razvi, a 40-year resident and spokesman for the group. RELATED: San Diego's top neighborhoods to get more rental space for the moneyCurrently, Lennar is building the 600-unit Pacific Village complex just east of Carmel Mountain Road. Two more could be on the site of the Hotel Karlan, which shut down Dec. 31. The hotel portion of the property could be rebuilt into as many as 370 homes. The Encinitas-area development company that owns it did not respond to requests for comment. Meanwhile, Lennar is proposing to build more than 530 new housing units on the hotel's old golf course.PQ-NE Action is now calling on Councilman Mark Kersey to step in. "They are moving fast on this, and so we would like to see a pause," Razvi said. RELATED: Making it in San Diego: Changing market could mean opportunity for entry-level San Diego homesIn a statement, Kersey said he understands the concerns and hopes the property owners will work with the community to address them.A spokeswoman for Lennar says the company will do exactly that as part of the approval permitting process. 1661

Rachel Crooks, who alleged that Donald Trump kissed her without her consent in 2005 when she was working as a receptionist in Trump Tower, on Tuesday secured her primary bid for state office in Ohio.Crooks was running unopposed for the Democratic nomination for a seat in the state Legislature.Crooks initially went public with her claims against Trump ahead of the 2016 election. In February of this year, The Washington Post reported a detailed account of her story.President Trump denied Crooks' claims after The Post's report published, tweeting: "A woman I don't know and, to the best of my knowledge, never met, is on the FRONT PAGE of the Fake News Washington Post saying I kissed her (for two minutes yet) in the lobby of Trump Tower 12 years ago. Never happened! Who would do this in a public space with live security cameras running."Crooks responded to Trump through her campaign's Twitter account, where she urged the President to release any footage from the encounter."Please, by all means, share the footage from the hallway outside the 24th floor residential elevator bank on the morning of January 11, 2006," her campaign account wrote on Twitter. "Let's clear this up for everyone. It's liars like you in politics that have prompted me to run for office myself."  1294

President Donald Trump tweeted Friday morning that he plans to re-submit a plan to end the Deferred Action for Childhood Arrivals (DACA) program, which offers more than 500,000 young immigrants the chance to remain in the U.S.The Supreme Court ruled against Trump's 2017 efforts to end the program in a landmark decision on Thursday. However, the court's ruling left the door open for Trump or a future administration to end the program should they take the proper steps.Trump said Friday that his administration plans to renew efforts to end the program."We will be submitting enhanced papers shortly in order to properly fulfil (sic) the Supreme Court's ruling & request of yesterday," Trump tweeted. 714