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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

MOSCOW (AP) — A Siberian town with the world’s widest temperature range has recorded a new high amid a heat wave that is contributing to severe forest fires.The temperature in Verkhoyansk hit 100.4 degrees F on Saturday, according to Pogoda i Klimat, a website that compiles Russian meteorological data.The town is located above the Arctic Circle in the Sakha Republic, about 2,900 miles northeast of Moscow.It is recognized by the Guinness World Records for having the most extreme temperature range, with a low of minus-90 degrees F and a previous high of 98.96 F.Much of Siberia this year has had unseasonably high temperatures, leading to sizable wildfires. 669

Model and actress Kim Porter, who shares three children with musician and entrepreneur Sean "Diddy" Combs, died Thursday, a representative of Combs told CNN.Porter was 47."Sadly, I can confirm the passing of Kim Porter. I ask that you give the families privacy at this time," Combs' publicist Cyndi Berger said in a statement.No information about the cause of Porter's death was released.Porter and Combs were a couple for more than a decade until 2007. They had twin daughters and a son together. Porter also had a son from a previous relationship.Beyond her modeling career, Porter made several film and television appearances over the years, including roles in "The Brothers" and the TV series "Wicked Wicked Game." 726

MORENO VALLEY, Calif. (KGTV) — Firefighters made progress on a 500-acre brush fire that ripped through the Moreno Valley area of Riverside County Friday.The Jerry Fire was 90 percent contained as of 6:45 a.m. Saturday and had charred 522 acres, according to Cal Fire. Firefighters had stopped any threat to structures but planned to remain on scene until full containment was reached. All evacuation orders were lifted late Friday.RELATED: Fire threatens utility infrastructure in Riverside County city of Moreno ValleyThe blaze destroyed one outbuilding, Cal Fire said.The cause of the fire was still under investigation Saturday. 639

NASHVILLE, Tenn. (WTVF) — Pregnant women in the healthcare industry are wondering if they should get the COVID-19 vaccine since it's available to them following the emergency use authorization.At Vanderbilt University Medical Center, Dr. Jennifer Thompson, an associate professor of Obstetrics and Gynecology, said the risks associated with getting COVID-19 while pregnant are far worse than the risks associated with the vaccine. Thompson said, "They have increased risk of hospitalization, need for ICU, mechanical ventilation, and a slight increase risk in death compared to non-pregnant patients." She said her recommendation pertains to the Pfizer and Moderna vaccines for her patients who are pregnant, or trying to get pregnant. “So because of that increased risk, women who are pregnant are considered a higher risk group, and so therefore many of our organizations the CDC, the American College of Obstetricians and Gynecologists, and the Society for Maternal-Fetal Medicine recommend that the COVID-19 vaccine should not be withheld from pregnant individuals who meet criteria for vaccination based on their recommended priority group,” Thompson said.Dr. Thomspon practices what she preaches. "I actually received my vaccine on Friday, so I’m not concerned at this point about the long-term safety data," Thompson said. She noted that she’s had no side effects yet.While pregnant women were excluded from the trials, some women joined not knowing they were pregnant. Dr. Thompson said they’ve been following those cases closely. "These numbers are really small, but we have not seen significant adverse reactions both from a pregnancy standpoint or a fetal standpoint," Thompson said.Unfortunately, there's a lot of misinformation out there. There was an article circulating online which said the vaccine could cause infertility. Dr. Thompson said there’s no evidence to support that. "There’s some concern that the spike protein has a similar genetic makeup to one of the proteins in the placenta, however that similarity is less than 1%, and infertility has not been found from any of the scientific data," Thompson said. In addition, the COVID-19 vaccine is believed to be safe for women who are breast-feeding. Live vaccines are not recommended for pregnant women, but the COVID-19 vaccine is not live. “It’s an mRNA vaccine which is broken down by the body, and not incorporated into your DNA at all,” Thompson said, “Fetal risks are thought to be low due to the fact that the mRNA is broken down by your circulation and pre-clinical studies have been very reassuring.”If you have questions, talk to your doctor. Thompson said, "What we know about the vaccine, and what we don’t know about the vaccine, is in those shared decision-making discussions for patients in deciding what’s best for them."Moving forward, there's an effort to have registries available for pregnant women who received the vaccine through the Centers for Disease Control and Prevention according to Thompson.This article was written by Alexandra Koehn for WTVF. 3057