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Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

EL CAJON (CNS) - A 49-year-old man was seriously injured after being struck by a vehicle in El Cajon Saturday.The pedestrian was hit crossing the road by a Toyota pickup in the 400 block of Jamacha Road around 6:25 p.m. Paramedics found him unconscious but breathing with serious head and leg wounds, authorities said.El Cajon police say the driver remained at the scene and isn't believed to have been under the influence of drugs or alcohol.Sgt. Steve Paz of the El Cajon Police Department said Jamacha would be closed between Lexington and Sunnyland avenues until around 11:30 p.m., and reminded pedestrians and motorists to always be aware."Only cross the street at designated, controlled intersections, and wear bright or light-colored clothing for visibility," he said, addressing people out and about at night on foot. "For those driving vehicles during hours of darkness, please pay extra attention to the roadway and be aware of pedestrians that may be crossing." 980

EL CAJON, Calif. (KGTV) -- Police are investigating after a car slammed into an El Cajon power pole Tuesday afternoon, leaving some residents without power.The crash happened on Madison Avenue and 3rd Street near Madison Avenue Elementary School."It was just kind of like a loud boom," said Julia Jorgensen, who heard the crash.  "The car was smoking at the front for a little bit, so I was really scared that it was going to blow up."According to police in El Cajon, the crash caused extensive damage.  In photos from the scene, the power pole appears to be split in half. SDG&E turned off power approximately 120 residents in the area as a precaution.  Power was restored for most residents by 4:30 p.m.The crash also closed Madison Avenue between 3rd Street and Macon Street, creating traffic as parents picked up their children from one of several schools in the area.Police say the incident is being investigated as a DUI crash. A witness described the driver as stumbling out of the vehicle shortly after the crash."I ran up to him.  I said, 'Who was in the car, like who's in there?' and he was really really out of it.  His eyes were rolling in the back of his head," Jorgensen said. "He was kind of falling everywhere.  He was really really sweaty.At one point, she says he even laid down in the grass, curled up like a ball.Both the driver and passenger were responsive but taken to the hospital with serious injuries. SDGE expects to reopen the street by 10 p.m. 1540

Dozens of goats invaded a suburb of Boise, Idaho, on Friday after walking off the job.The goats are workers for a rent-a-goat business called -- what else -- We Rent Goats that hires the herd out as an eco-friendly way to clear weeds.The goats were munching at an Ada County Highway District retention pond when they broke through a fence and escaped, briefly overtaking a street in the West Valley area of Boise around 7 a.m., CNN affiliate KBOI reported.Their arrival created a social media sensation, with goat-themed puns invading Twitter. The Columbus Dispatch, for instance, tweeted, "This looks like a baaaaaaaaaaaaaaad situation." #Boise was still trending as of Friday afternoon.Boise resident Kyle Bryant told CNN he went to see the goats after his granddaughter told him what was happening."It was was the best thing I have seen since we moved to Boise three years ago," Bryant said. "I knew back in Oregon that there were companies that rented out goats, so I thought that this was the same situation."Bryant took videos and shared them on Facebook. "Hey, you missed a spot," one person said on a video.The goat owners arrived with a trailer to round up their goats and get them back to work.We Rent Goats co-owner Kim Gabica told the Idaho Statesman the animals are "great escape artists" and tend to "follow each other."The Idaho Humane Society contained the goats until the owners arrived."The owners of the goats was not cited and the neighbors seemed to appreciate the humor of having a large herd of goats in their yard," Kristine Schellhaas, a spokeswoman with the group told CNN. 1607

DULZURA, Calif. (KGTV) — Firefighters battled a vegetation fire near the U.S.-Mexico border, a day after crews pretreated the area for a fire burning south of the border.The fire was reported along Marron Valley Rd. near Dulzura Thursday, according to Cal Fire San Diego. By 6:30 p.m. the fire was estimated to have grown to about 80 acres and was 10 percent contained. No structures were immediately threatened, Cal Fire said.Air and group fire resources were attacking the flames, Cal Fire added.Wednesday night, Cal Fire made air drops near Tecate after flames from a brush fire crept up to the border from the Mexico side of the border. Thursday morning, Cal Fire reported a "significant decrease" in that fire. 723