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Four Louisiana correctional officers have been sentenced following an attack of an inmate who was "handcuffed, shackled, and not resisting, and for conspiring to cover up their misconduct by devising a false cover story, submitting false reports documenting that cover story, tampering with witnesses, and lying under oath," the Department to Justice said in a statement.The incident took place at the Penitentiary in Angola, Louisiana.The officers were sentenced last week, and Daniel David was sentenced to 110 months in prison; John Sanders was sentenced to 18 months; James Savoy Jr. was sentenced to 24 months; and Scott Kennedy received a 14-month sentence.The DOJ said that Davis was the ringleader of the incident, and claimed that Davis yanked the inmate’s leg chains, causing the inmate to fall face-first onto the concrete breezeway. The DOJ said that Davis and the other officers then attacked the inmate, who suffered a dislocated shoulder, a hematoma, a collapsed lung, and broken ribs.“Corrections officers are sworn to protect those within our prison systems,” said Brandon J. Fremin U.S. Attorney for the Middle District of Louisiana. “Those officers who carry out vicious attacks such as this strip citizens of their basic civil rights and dishonor the work of honest law enforcement officers. The sentences handed down today serve as an example of officials being held accountable for violations of the public trust that was placed in them.”The facility is the largest maximum-security prison in the United States, with 6,300 inmates housed in the institution. 1587

For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

For years, the Federal Housing Administration was the king of the low-down-payment mortgage mountain. Now, Fannie Mae and Freddie Mac, the government-sponsored enterprises that provide capital to the mortgage market, are designing loan products for hopeful home buyers with skinny savings accounts.With Fannie Mae’s HomeReady and Freddie Mac’s Home Possible, a 3% down payment — or what lenders refer to as 97% loan-to-value — is available on so-called conventional loans. Conventional loans are the loan products most often issued by lenders. 561

First Lady Melania Trump announced Monday that the new tennis court pavilion at the White House is completed, just six weeks before President-elect Joe Biden is expected to be sworn in as the 46th president of the United States.According to a White House press release, the project included renovating the existing tennis court and children's garden, as well as building the new pavilion, which was both "planned to blend with the existing structures on the White House grounds."The new building's design was inspired by the White House's existing architectural style, especially the East and West Wings, the first lady's office said."The colonnade, parapet wall, and fanlight windows tie the new building to the existing look and feel of the White House," the press release stated."I am pleased to announce the completion of the Tennis Pavilion on the White House grounds. Thank you to all of the talented craftsmen who made this project possible and to the generous supporters of the White House," said First Lady Melania Trump. "It is my hope that this private space will function as both a place of leisure and gathering for future First Families."Planning for the renovation began in early 2018. The Commission of Fine Arts and the National Capital Planning Commission approved the project in June 2019. Construction began that October.The White House says the project was paid for with private donations and did not disclose the cost. 1449

Former President Bill Clinton will highlight the second day of speeches from a virtual Democratic National Convention.Among those joining Clinton are former Secretary of State and Democratic presidential nominee John Kerry, former Acting Attorney General Sally Yates and Senate minority leader Chuck Schumer.Dr. Jill Biden, the wife of presumptive Democratic presidential nominee Joe Biden, is also expected to deliver remarks.According to CNN and NBC News, former Secretary of State under Republican President George W. Bush Colin Powell will officially endorse Joe Biden on Tuesday.Rep. Alexandria Ocasio-Cortez, one of the party's most vocal members and a leader in the Democratic party's progressive wing, will deliver a 60-second speech on Tuesday evening. Progressive members of the party have been critical of the DNC's decision to limit Ocasio-Cortez's speaking time, while allowing some Republicans, like former Ohio Gov. John Kasich, the opportunity to speak longer.Ocasio-Cortez responded to the criticism by posting, "I only have a minute," a poem by Dr. Benjamin E. Mays. 1092

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