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Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

Republican Reps. Chris Collins and Duncan Hunter, who are both facing federal indictments, were re-elected to Congress Tuesday night, CNN projects.Both men were early supporters of President Donald Trump, who blasted the Justice Department earlier this year for investigating the two Republicans.Despite the federal charges against him, which he calls "meritless," Collins has been actively campaigning to keep his seat in New York's 27th Congressional District.Collins, the first House member to endorse Trump's 2016 campaign, has been charged with securities fraud, wire fraud and false statements stemming from alleged insider trading in stock of an Australian pharmaceutical company.Hunter, who represents California's 50th Congressional District, was indicted the same month as Collins in August -- but for charges of campaign corruption related to a quarter-million dollars' worth of charges on his campaign credit card. Hunter claimed he was framed by a "corrupt" Department of Justice but also placed blame on his wife.He went on to suggest that his Mexican-Palestinian-American opponent -- a 29-year-old former Obama administration aide who is Christian -- is a Muslim with ties to terrorism who would threaten the security of US soldiers.Meanwhile, Sen. Bob Menendez, a Democrat from New Jersey, survived a tough re-election bid amid dismal approval ratings following his federal corruption trial that ended in a hung jury.While the Justice Department filed to dismiss charges against Menendez, he was still admonished by the Senate Ethics Committee for accepting gifts without proper approval from a wealthy ophthalmologist and returning in kind with political favors.. 1688

Reservations will be required on Amtrak's Pacific Surfliner route during the Thanksgiving holiday period to safely manage the increase of travelers and control the spread of COVID-19.The company announced Thursday that a reservation will be required on trains that travel between San Diego, Orange, Los Angeles, Ventura, Santa Barbara, and San Luis Obispo counties beginning Monday, Nov. 23 through Nov. 30 to help manage the capacity and allow customers to socially distance.Additionally, the Rail 2 Rail program will be suspended during this period, and monthly Metrolink and COASTER passes will not be accepted onboard Pacific Surfliner trains on these dates.Amtrak monthly and 10-ride passes may still be used. However, multi-ride ticket holders will be required to confirm each trip through the Amtrak RideReserve program on Amtrak.com, the Amtrak app, or with an Amtrak agent before traveling.Additional cars are being added when possible to increase the number of available seats on select trains.Visit pacificsurfliner.com for additional information on booking and safety precautions. 1100

Puppies being rescued in Seattle quickly became rescuers for panicking airline passengers. The dogs were on the way to Detroit when an airline employee stole a plane at Seattle-Tacoma International Airport, resulting in the delay of several outbound flights. A Michigan volunteer was stuck at the airport with the nine puppies, which brought peace to a chaotic situation.“We knew something was happening at the airport, we didn’t really know,” said Steve Heim, a Detroit Metro Airport employee. Heim volunteers with an animal rescue and was in Seattle Friday to bring nine Spanish greyhound puppies to metro Detroit. He was taking a red-eye and quickly realized something was wrong at the airport. An airline employee had stolen a plane on what officials say was a suicide mission. “I said ‘uh-oh this is not good,’” Heim said. He knew his flight and many other flights would be delayed due to the incident. But he was traveling alone, caring for nine puppies at the airport, waiting for the next flight which was more than six hours later. “People were yelling and screaming at all the customer service agents," Heim said. "People were crying. There were thousands of people in the airport.”That's when the puppies came out of the crate and Heim said passengers flocked to them for comfort. “It was nice because nobody will remember what they were really there for just a moment or what had happened,” Heim said.A GoFundMe page has been set up for the puppies here: www.gofundme.com/spanish-galgo-rescueFor more information on Serenity Animal Hospital, visit www.serenityanimalhospital.net. 1649

President Donald Trump's personal lawyer, Michael Cohen, told courts in New York late Wednesday that he'd like to drop defamation lawsuits he filed against Fusion GPS and BuzzFeed regarding the production and publication of an infamous dossier on Trump and Russia.Cohen had sued Fusion, a political research firm, and the media company separately in January, one year after the Russia dossier, which was prepared for Fusion, was published by BuzzFeed. He had alleged that assertions about family ties he had to Russians and a trip he took overseas mentioned in the dossier were wrong, and that they damaged his professional reputation.By dropping the lawsuits, Cohen will avoid turning over information about himself to the companies. 742