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Mortgage rates are likely to set record lows in August for the third month in a row.The 30-year fixed-rate mortgage averaged 3.18% APR in July, a record low in NerdWallet’s mortgage rate survey. The average rate tumbled 15 basis points compared with June, which at the time had the record low monthly average.The recession has caused rates to fallMortgage rates fall when the economy stalls. And the economy has been sputtering for months as the COVID-19 pandemic sent millions of people to the ranks of the unemployed.The U.S. economy shrank at a 32.9% annual rate from April through June, the Commerce Department reported July 30. The slowdown happened because businesses, state and local governments, and consumers cut their spending. Consumers cut way back on clothing and footwear purchases, among other items.? MORE: How mortgage rates are determinedGood news for refinancers, hard times for othersThe COVID-19 pandemic has helped some homeowners while injuring others, and it may harm many renters as well.Among the beneficiaries are homeowners with high credit scores who haven’t suffered interruptions in income. They have met the qualifications to refinance their mortgages at record-low interest rates.Home sellers have thrived in many housing markets, as home prices have risen despite surging unemployment, an unusual combination. Home resale prices were up 3.5% in June, compared with a year before, according to the National Association of Realtors. One reason for the increase in prices: Fewer homes were for sale because of social distancing. The reduced supply of for-sale houses led to increased competition among buyers, pushing prices upward.Homeowners must catch up on missed paymentsBut the COVID-19 recession may end up harming more homeowners than it helps.In late July, 3.9 million homeowners were using mortgage relief plans that allow borrowers to miss payments or make partial payments if they have been affected by COVID-19, according to the Mortgage Bankers Association. Eventually, those homeowners will be expected to catch up on their missed payments. Some homeowners’ incomes were permanently reduced. They may find it difficult to make good on their past-due payments.Renters could be out in the coldRenters could end up suffering the most. According to the U.S. Census Bureau’s Household Pulse Survey, 18% of renters, or 13.3 million households, didn’t pay their full rent in June. And in mid-July, one-third of renters surveyed, representing 23.8 million households, told the bureau that they had no confidence or slight confidence that they would make their next rent payment.Congress, along with state and local governments, imposed limits on evictions early in the pandemic, but some of those protections have expired. On top of that, 0 extra weekly unemployment insurance payments were set to expire at the end of July, and as the clock ticked down to the August recess, Congress was still negotiating an extension.Even with tenant protections in place, about 4% of renters have received an eviction notice or have been threatened with eviction since March, according to data from the Urban Institute’s Coronavirus Tracking Survey.When eviction bans expire, tenants have few options:Apply for emergency rental assistance, if the state or city offers it and still has money.Reach a repayment agreement with the landlord. Under such an agreement, tenants pay extra each month until they catch up with the past-due rent. But a repayment plan requires the tenant to have the money and the landlord to be willing to make a deal. Neither of those is a sure thing.If it’s not swamped with similar requests, the local legal aid service might be able to step in and help negotiate a deal with the landlord.? MORE: What COVID-19 means for mortgage ratesMore from NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL.The article Mortgage Outlook: Recession Presses Down on August Rates originally appeared on NerdWallet. 4108

NASHVILLE, Tenn. — NewsChannel 5 has partnered with the Community Foundation of Middle Tennessee (CFMT) to establish the “Nashville Neighbors Fund” to support downtown residents and businesses affected by the Christmas Day explosion along the riverfront. The explosion, which was felt across much of Middle Tennessee, injured at least three and caused extensive damage to multiple buildings.The CFMT said grants from the Nashville Neighbors Fund will be made to nonprofits providing services for both the immediate and long-term needs arising from the explosion.“Our work helps free nonprofits up to concentrate on delivering vital services while we 'connect generosity with need' and our community sets out to rebuild. We know when disasters strike, there are no quick fixes,” said Ellen Lehman, president of The Community Foundation of Middle Tennessee.Gifts can be made to the Nashville Neighbors Fund at www.CFMT.org/neighbors. or by calling The Community Foundation at (615) 321-4939. This story was originally published by Laken Bowles at WTVF in Nashville, Tennessee. 1082

NASHVILLE, Tennessee — Sometimes people suffering with opioid addiction turn to others for help. But sadly professionals listening may need help of their own. After a local addiction treatment consultant died from an overdose, people in his community are asking others who are battling the disease to come forward.Jeremiah Jackson died on Nov. 10. He worked as a treatment consultant at American Addiction Centers in Brentwood helping others with their addictions. People who knew him said he was loved, and called his death a shock. Chris Boutte said Jackson was dedicated to his work."I know that was helping him so much, when we get to help others that helps us so much," Boutte said.  The two first met when Boutte became an Alumni Coordinator and consultant. "We just met and he helped me out with a lot of early struggles. Just dealing with clients who had relapsed and calling me and needing help and people passing away," he said.Boutte spoke to Jackson last month and was surprised to hear of his passing."Jeremiah was just a great example like he is somebody I needed in my life and he was also laughing and joking around and he would freestyle rap and like sing and break dance. He could just...everybody loved the dude," he said.Jackson had been clean for more than four years and shared his heroin addiction story with WTVF TV station in Nashville in December 2017. While working at AAC, Jackson attended a separate recovery program. He was clean for more than four years but last weekend he died from an overdose.Cindy Spelta has worked at Cumberland Heights helping others with their drug and alcohol addictions for more than 15 years. She said people in her field may sometimes need even more help than those they are treating.She said she has been sober from cocaine usage and alcohol for 17 years and also participates in a recovery program. Spelta said Jackson's passing is devastating and is possibly an example of what professionals call "compassion fatigue." "You're dealing with people whose lives have been destroyed and whose families' lives have been destroyed and all that is coming at you every day," she said. She also said each day the tolerance level for people in recovery drops while the chances of a fatal relapse go up. Spelta said anyone with an addiction, no matter how small, needs to talk about it.She said the addiction disease does not discriminate. In a statement, Jeremiah's sister Summer said: 2535

More than 100 students knelt on the benches of Notre Dame Stadium while "The Star-Spangled Banner" played during the school's football game against Florida State University on Saturday.Taking a knee to protest racial injustices began in 2016 when then-San Francisco 49ers quarterback Colin Kaepernick knelt during the national anthem before a preseason NFL game.Kaepernick's actions were based mostly on political issues, but the students wanted to put a spin on the protest and make it a religious matter as well."We wanted to frame this movement around Notre Dame's religion, which is Catholic. Some made it a moment of silence, and others prayed," said Katie Hieatt, one of five protest organizers.Durrell Jackson, another of the organizers, began protesting earlier in the college football season with a couple of friends. That's when Shawn Wu stepped in and decided this needed to be a bigger movement.With the help of three other students, they organized the November 10 protest that led 80 of their junior classmates and about 30 students in the senior class to kneel."For me personally, this is both a political and religious issue," Jackson said. "Police brutality and racial [and] social injustice against brothers and sisters is not the Christian thing to do."The students brought back some of the school's history as they knelt in solidarity.They linked arms in prayer like the Rev. Theodore Hesburgh, who served as the school's president until 1987, and the Rev. Martin Luther King Jr. did in 1964 at a civil rights rally in Chicago, as they sang "We Shall Overcome."Like Hesburgh and King, the students hope to bring people together to respect one another even if they have different beliefs."Rather than being dismissed as 'just a liberal act,' many might reconsider how this movement of justice and reconciliation aligns deeply with shared values (among many) of faith, Notre Dame tradition, and Fr. Hesburgh," the group wrote in its mission statement, inviting their peers to protest with them.Brian Gatter, one of the other organizers, said their main goal was to let people know that students at Notre Dame are not just concerned with racial injustices, but also with the treatment of people when they share an opinion others don't agree with."Our main goal is to start a healthy and peaceful dialogue, rather than to keep this a one-sided conversation," Gatter said. "One of the things we want to stress the most with this movement is that this is not a protest against the military or the flag, this is about how we treat each other as human beings. We don't need to reduce people down in order to make a point. We can have a good dialogue, even if we don't agree with each other."The University of Notre Dame has not taken any disciplinary action against the students, Gatter said. CNN contacted the school's administration for further comment and is waiting to hear back.The-CNN-Wire 2914

MILWAUKEE, Wis. -- Joe Biden will not be traveling to Milwaukee to accept the Democratic presidential nomination, the Democratic National Convention Committee announced Wednesday.The DNCC said Biden would not be accepting the nomination at the Democratic National Convention, which is scheduled to begin on Aug. 17, citing coronavirus as the reason.Other speakers for the DNC will also no longer travel to Milwaukee. Biden will instead accept the nomination in Delaware.“From the very beginning of this pandemic, we put the health and safety of the American people first. We followed the science, listened to doctors and public health experts, and we continued making adjustments to our plans in order to protect lives. That’s the kind of steady and responsible leadership America deserves. And that’s the leadership Joe Biden will bring to the White House,” said DNC Chair Tom Perez in a press release.“2020 will always be remembered as a year of once-in-a-lifetime challenges and changes—but it will also be remembered as a time when Americans were their most compassionate and resilient selves. While we wish we could move forward with welcoming the world to beautiful Milwaukee in two weeks, we recognize protecting the health of our host community and everyone involved with this convention must be paramount,” said Joe Solmonese, CEO of the 2020 Democratic National Convention.The convention is scheduled to take place at the Wisconsin Center Aug. 17 through Aug. 20. 1481