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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

President Donald Trump Saturday threatened to withhold federal aid from California to assist with relief from wildfires burning up and down the state.Trump blamed the state's "poor" forest management for the devastation caused by the wildfires."There is no reason for these massive, deadly and costly forest fires in California except that forest management is so poor. Billions of dollars are given each year, with so many lives lost, all because of gross mismanagement of the forests. Remedy now, or no more Fed payments!" Trump tweeted. 547

Republican Sen. Cindy Hyde-Smith was expected to coast to victory in a Mississippi runoff that would conclude the last Senate race of 2018's midterm elections.Instead, Hyde-Smith has spent the days leading up to Tuesday's election mired in controversy that evoked the state's dark history of racism and slavery.It began when video emerged online of her telling supporters earlier this month that she'd be "on the front row" if one of her supporters there "invited me to a public hanging." She later called the comments an "exaggerated expression of regard," but her use of the phrase "public hanging" brought memories of Mississippi's history of lynchings to the forefront and put the contest under the national microscope.On Tuesday, Mississippi voters will decide between Hyde-Smith and Democrat Mike Espy, who, if elected, would be the state's first black senator since Reconstruction.The result will finalize the balance of power in the US Senate. As it stands, Republicans will hold 52 seats next year, and Democrats will have 47. A win for the GOP in Mississippi would further pad the party's majority in the Senate, even as Democrats have taken a solid majority in the House.The state is polarized along racial lines, with most white voters backing Republicans and nearly all black voters supporting Democrats.Democrats hope Hyde-Smith's comments will lead to a surge in black turnout and propel them to victory. However, even if black voters, who make up nearly 40% of the state's electorate, come out in full force, Espy would still have to outperform his party's history with whites to have a chance of winning.And Democrats have to overcome partisan trends in the deeply red state. Earlier this month, when multiple candidates in both parties were on the ballot, Hyde-Smith and conservative Chris McDaniel combined for 58% of the vote, while Espy and Democrat Tobey Bartee got 42%.On the eve of the election, President Donald Trump held two rallies for Hyde-Smith in an attempt to turn out the Republican base.He told the crowd in Tupelo to "get out" and vote in Tuesday's runoff."I think it'll be a very big day for Cindy, but don't take any chances," he said. "That's happened many times before. That never works out well. Just assume you have to vote."Even though Republicans will control the Senate regardless of the outcome, the President suggested that a Democratic win in Mississippi would "revoke" the party's victories."We cannot allow Nancy Pelosi and Chuck Schumer to revoke that victory by winning the state of Mississippi," he said.At a roundtable in Gulfport, Trump called Hyde-Smith's comments about a public hanging "sad and a little flip.""When I spoke to her -- she called me -- she said, 'I said something that I meant exactly very different,' and I heard an apology loud and clear," Trump said."I know where her heart is, and her heart is good. That's not what she was meaning when she said that," he said. 2955

RAMONA, Calif. (KGTV) - A Ramona family is grieving the loss of a 14-year-old boy, killed Tuesday night while riding a skateboard on a residential street."He was really happy and so charismatic. He loved his family, loved to skateboard," said Amber Krapf, Logan Krapf's mother.Logan was on his skateboard, just before 7:30 p.m that night in a neighborhood in the San Diego Country Estates. He was on Barona Mesa Road near a streetlight with two friends, one on a skateboard, another on a bike.His friends say they were wearing helmets in the streets, and going from right to left in the road, headed toward a golf course, when the headlights on a pickup appeared around a curve.Two of the boys managed to get to the roadside, but Logan did not, as the truck struck him. His mother Amber got the call and raced to the scene."Everyone around me was crying. I was number and just in shock that this could happen," said Amber.By the time she arrived, her son had passed."I kissed him. Told him that I loved him. Told him goodbye, that it was okay," said a tearful Amber.CHP investigators say the driver, a 20-year-old man, did stop and performed CPR. Drugs and alcohol are not believed to be a factor, but Amber believes speed was. The speed limit is 25."An officer said he admitted on scene that he was going at least 45 ... My son’s friends say ... it was closer to 55," said Amber.Days later, flowers and candles stand where a young life was cut short, weeks before his birthday and first-ever football practice at Ramona High."He loved football. He was supposed to be the starting nose guard for football season, and so excited to play his first season," said Amber.Instead, a grieving family must now plan a funeral."It hurts to take every breath. I don’t know how I’m going to do this for a lifetime," said Amber.Amber says she hopes no other families will have to feel the pain she's feeling."The speed in a known problem. Need speed bumps, a stop sign, something. There are so many kids around there," said Amber.A CHP spokesperson says they are looking into the speed of the truck, but the investigation is ongoing and no arrest has been made.A GoFundMe campaign has been set up the help the family with expenses. 2226

RACINE, Wisconsin -- Manufacturer SC Johnson announced Wednesday that between 300 and 400 positions in the company would be eliminated due to an organizational change.The change was first announced to employees back in January, according to a statement from the company. Some of the eliminated roles were already open and will not be filled, while others will result in employees losing their jobs."Many affected employees" were notified Wednesday, the statement says."The company is healthy and our brands continue to be leaders in their categories," said Kelly M. Semrau, Senior Vice President – Global Corporate Affairs, Communication & Sustainability. "Other leading consumer packaged goods companies are doing the same as we all continue to respond to trends in the marketplace. Like them, we are doing this to maintain the company's health and leadership."Headquartered in Racine, Wisconsin, SC Johnson employs about 12,000 people worldwide. It was founded more than 100 years ago in 1886.The company "intends to provide generous severance and outplacement help" to affected employees. There's no word yet on how many Wisconsin employees will lose their jobs. 1197

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