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I am committed to continuing to do the hard work to build trust in our communities as we work toward police accountability and racial justice.— Governor Kate Brown (@OregonGovBrown) September 28, 2020 208

If you watch the Republican National Convention this week, you will hear claims from Republicans that Joe Biden, if elected, would hurt suburban living. So what are Republicans talking about? THE POLICYRepublicans are talking about the Affirmatively Furthering Fair Housing Rule, which President Barack Obama and Biden updated in 2015. Biden has signaled he'd support even further updating of the rule. The rule basically says that if a town takes federal money, they should examine whether they engage in housing discrimination. Nothing is mandated, but it generally encourages an examination of whether zoning laws encourage developers to build large, family homes as opposed to more affordable options like an apartment or a condo. Trump disagrees with that policy and is against the rule. BATTLE FOR THE SUBURBSThe issue is being brought up by Republicans because for them, the election will be decided by the suburbs. Cities will generally vote for Biden, rural America will vote for Trump. How large suburbs vote will determine who is in the White House. Kim Stewart is an undecided voter living in a suburban community an hour outside of Washington D.C. "I love having the space, having a yard," Stewart said, talking about why she and her husband moved to the suburbs. When asked what she thought of more apartments being built in suburbs like hers, Stewart, admitted she didn't like it. "It would make me feel a little uncomfortable. We enjoy the quiet," Stewart said. THE OTHER SIDEThe Biden campaign says what Trump is saying about Joe Biden and the suburbs is a smear campaign, contending the rule is not "abolishing the suburbs" as Trump has said. There is also another side. Shantai High is a resident in a D.C. low income housing community. She's lived in her apartment for nearly 19 years. She says everyone in a low income housing would like more affordable options, in cities and in suburbs. "It’s tough everywhere. Affordable housing is needed, we are discriminated against," High said. 2014

In an emotional gathering just one week after a gunman mowed down 14 students and three teachers at Stoneman Douglas High School, thousands of community members and students met with politicians and others for a town hall on how to make schools safer.The town hall on Wednesday night followed days of sit-ins, walkouts and demonstrations in solidarity with survivors of the massacre."Tonight people who have different points of view are going to talk about an issue that I think that we all believe and that this should never have happened and it can never happen again," Sen. Marco Rubio, a Republican, told the crowd.  633

IMPERIAL BEACH, Calif. (KGTV) -- The City of Imperial Beach announced Tuesday that it will be asking for a federal investigation into a toxic sewage spill at Playas de Tijuana that polluted U.S. beaches.According to the city, the spill on October 26 and 27 sickened local surfers at Imperial Beach, including Mayor Serge Dedina.RELATED: 'Stop the Poop' group protests cross-border sewage spillsWater testing by Tijuana Waterkeeper revealed elevated levels of pollution at Playas de Tijuana. Officials in Mexico have denied there was any sewage spill.“We are asking for State Department investigation into this sewage spill that significantly impacted public health in Imperial Beach. Like the massive February spill, it appears that authorities in Baja California who run the sewage agency, CESPT, are more concerned with covering up pollution than protecting public health,” said Imperial Beach, Mayor Serge Dedina.RELATED: Frustrated Imperial Beach mayor to file a lawsuit to protect city from Mexican raw sewage spill“Federal authorities in Mexico must improve efforts to provide real time information on spills so that we can protect the health of recreational beach users on both sides of the border,” said Mayor Dedina. 1243

If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

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