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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

NATIONAL CITY, Calif. (KGTV) -- A mother of three shown in a video being detained by Customs and Border Protection agents was released Tuesday on her own recognizance.Shortly after 9 p.m. Perla Morales-Luna and her daughters shared a tearful reunion. A judge said that Morales-Luna, 36, isn’t a danger to society or a flight risk. During the family's reunion, she did say "Thank you" to the press but had no further comment. The video showing Luna’s detention made rounds on social media earlier in March. The video shows Luna being arrested by agents in National City.RELATED: Video of border agents' arrest of mom in National City sparks outrageLuna’s daughters can be heard screaming in the background of the video as their mother is placed into the back of a Border Patrol vehicle.In response to the video, authorities said Luna was detained due to accusations that she runs a criminal smuggling organization in East County.Authorities added that Luna is in the U.S. illegally and is expected to be deported. The case will now go before federal court in San Diego.*This is a developing story. 10News will have the latest tonight on 10News at 11 p.m.  1177

Move over, "The Bachelor." The royal wedding of Prince Harry and Meghan Markle — now the duke and duchess of Sussex — was a huge ratings draw.In the US, about 29 million people tuned in on Saturday morning, according to Nielsen's total of the 15 channels that showed the wedding.Some viewers awoke at 4 or 5 a.m. ET to watch the arrivals. But the ceremony officially started at 7 a.m., so that's what the 29 million figure measures.Between 6 and 9 a.m. ET, including the arrivals and the procession afterward, NBC averaged 6.4 million viewers, ABC averaged 6.3 million, and CBS had 4.8 million. On cable, Fox News had 1.9 million, CNN had 1.8 million and MSNBC had 1 million viewers.In the UK, the ratings were higher for Prince William and Kate Middleton's wedding in 2011.Those nuptials averaged 24 million viewers there, while Saturday's festivities averaged 18 million viewers.Still, it was "by far the biggest television event of the year" in the UK, The Guardian reported.The UK has a total population of about 66 million.The US has five times the population. Markle is an American woman who married a prince, so it makes sense that this wedding stirred more interest in the US.William and Kate's wedding in 2011 started a little earlier in the morning, on a weekday, and averaged 22.8 million viewers in the U.S.Nielsen said the official average for Harry and Meghan was 29.2 million, but that only counts people watching on TV at home. An unknown number streamed the wedding on mobile devices.There was strong interest later in the day, as well. Cable news ratings remained high all day long. CNN rebroadcast the wedding in prime time and averaged 1.6 million viewers, out-rating Fox and MSNBC. 1725

NATIONAL CITY, Calif. (KGTV) -- Police in National City have arrested two suspects following a deadly 2015 shooting. According to the National City Police Department, Roger Hernandez, 30, and Luis Karam-Solis, 29, were arrested for the murder of Juan Munoz. The shooting happened in October of 2015. According to police, 18-year-old Munoz and his 17-year-old passenger drove to the 1600 block of Prospect Street after being followed by two men in a silver Nissan Altima. After the victims stopped, a Hispanic man approached their vehicle and fired several rounds. Munoz died on his way to the hospital and the 17-year-old passenger was shot in his thigh. Hernandez is currently being held on .1 million bail while Solis’ bail was set for million. 760

MISSION VALLEY, Calif. (KGTV) - About 100 military family members spent Thanksgiving at Dave and Busters, hosted by Lincoln Military Housing.The event was for families with service members currently deployed.Families enjoyed a full Thanksgiving meal and even got free game tokens to enjoy the arcade. 308