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MALIBU, Calif. (AP) — Strong Santa Ana winds returned to Southern California on Sunday, fanning a huge wildfire that has scorched a string of communities west of Los Angeles.Huge plumes of smoke were rising again in the fire area, which stretches miles from the northwest corner of Los Angeles' San Fernando Valley to the Malibu coast.Aircraft swooped low over flaming hills to drop lines of fire retardant as flames marched through brush lands on the edges of cul-de-sac communities.A one-day lull in the dry, northeasterly winds ended at midmorning and authorities warned that the gusts would continue through Tuesday.RELATED: Death toll hits 25 from wildfires at both ends of CaliforniaThe lull allowed firefighters to gain 10 percent control of the so-called Woolsey fire, which has burned more than 130 square miles (335 square kilometers) in western Los Angeles County and southeastern Ventura County since Thursday.Los Angeles County Fire Chief Daryl Osby stressed there were numerous hotspots and plenty of fuel that had not yet burned.The count of destroyed homes remained at 177 but it was expected to increase. Osby noted that a November 1993 wildfire in Malibu destroyed more than 270 homes and said he would not be surprised if the total from the current fire would be higher.The death toll stood at two. The severely burned bodies were discovered in a long residential driveway on a stretch of Mulholland Highway in Malibu, where most of the surrounding structures had burned. The deaths remained under investigation.LIVE BLOG: Several wildfires burning in CaliforniaThe deaths came as authorities in Northern California announced the death toll from a massive wildfire there has reached 23 people, bringing the statewide total to 25.Progress was made on the lines of smaller fire to the west in Ventura County, which was 70 percent contained at about 7 square miles (18 square kilometers), and evacuations were greatly reduced. But thousands remained under evacuation orders due to the Woolsey fire.Three firefighters suffered unspecified injuries, authorities said.Also injured was a well-known member of the Malibu City Council. Councilman Jefferson "Zuma Jay" Wagner was injured while trying to save his home, which burned down, Councilman Skylar Peak told reporters Sunday.Peak said Wagner was hospitalized down the coast in Santa Monica and was expected to recover. Wagner runs Zuma Jay Surfboards, a longtime fixture on Pacific Coast Highway near the landmark Malibu Pier.Areas that suffered significant destruction included Seminole Springs, a mobile home community nestled by a lake in the rugged Santa Monica Mountains north of Malibu. News helicopters showed numerous homes wiped out."I smelled the fire and didn't think, grabbed my dog and left," resident Lisa Kin said Sunday, tears in her eyes and her voice breaking. "It hasn't burned in decades and I knew we didn't stand a chance."She described Seminole Springs as a "beautiful community" of families and older people who appreciate its tranquility. But she said she always feared a wildfire since she moved there 15 years ago, especially during recent years in which there's been almost no rain.Santa Ana winds, produced by surface high pressure over the Great Basin squeezing air down through canyons and passes in Southern California's mountain ranges, are common in the fall and have a long history of fanning destructive wildfires in the region.But fire officials say fire behavior has changed statewide after years of drought and record summer heat that have left vegetation extremely crisp and dry."Things are not the way they were 10 years ago ... the rate of spread is exponentially more than it used to be," said Ventura County Fire Chief Mark Lorenzen, urging residents to not put their lives at risk by trying to defend their own homes instead of evacuating.That change has impacted the ability to move firefighting resources around the state, officials said."Typically this time of year when we get fires in Southern California we can rely upon our mutual aid partners in Northern California to come assist us because this time of year they've already had significant rainfall or even snow," said Osby, the LA County fire chief.With the devastation and loss of life in the Northern California fire, "it's evident from that situation statewide that we're in climate change and it's going to be here for the foreseeable future," he said. 4442

Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063

LOS ANGLES (AP) — Authorities say former “Glee” star Naya Rivera is missing and being searched for at a Southern California lake.The Ventura County Sheriff’s Department late Wednesday confirmed that 33-year-old Rivera is the person being searched for in the waters of Lake Piru, which is approximately 56 miles northwest of downtown Los Angeles.The search for Nivera was temporarily called when it got dark, but it resumed Thursday morning. 448

Military leaders in the impoverished southern Africa nation of Zimbabwe have staged an apparent coup, placing veteran President Robert Mugabe under house arrest and deploying tanks to the streets of the capital, Harare.The President of neighboring South Africa, Jacob Zuma, said 93-year-old Mugabe -- the world's longest living leader -- was unable to leave his home. Troops were reportedly stationed at the country's parliament and presidential palace.In a dramatic televised statement in the early hours of Wednesday morning, an army spokesman denied that a military takeover was underway. 599

Many small businesses are struggling after the pandemic shut down a number of industries. Recently, more than 2,400 small businesses gave their thoughts on how various levels of government are helping them during this tough time.Nate Chai, who heads up the Pro Engagement Team at Thumbtack, says "the purpose of the survey is really to find out how small businesses across the country feel about the public policies that they're working with at the local, state and national levels. Do they feel supported? Do they feel the right policies are in place? Are things changing year-over-year for them?"Thumbtack, an online company that connects people with local independent professionals in industries like construction, wellness and music, conducts a small business friendliness survey every year. This year, they wanted to check in with the small businesses on their site to see how they were doing amid this COVID-19 pandemic."What we did notice is that there were strong divergent between how many felt their states and local governments were doing versus what they saw from the federal government. To put that in perspective, we saw many states score A, A- or B in terms of that local response but at the federal level people almost universally what people were seeing was not good enough," said Chai.Chai says overwhelmingly, small business owners gave the federal government an F when it came to their response. "We saw several states earn Fs and unfortunately the worst of those, starting from the bottom up were Arizona followed by Oregon, Missouri, Georgia and Tennessee," said Chai. The highest ranked states were Vermont, which received an A+, followed by A ratings for Rhode Island, Connecticut, Massachusetts and an A for Maryland. Gerard Cassagnol, the Engineering and Operations Manager for Trevor Technical Solutions in Maryland, took part in the survey."It started off really good here in Maryland. They were very proactive in how to address the pandemic. What I basically mean is they were going by the science," Cassagnol said. Cassagnol says the funding, though, from State and Federal levels, was lacking, as well as information and guidance about programs and how to operate has been inconsistent. Cassagnol says before the pandemic, 80 percent of his company's revenue came from work from the government. Over the last three months, that dwindled down to 5 percent, putting his business in a dire state and prompting him to lay off staff. "It's a survival instinct right now that we're operating on," said Cassagnol.Of the roughly 2,400 businesses that took the survey, 65 percent had only one employee, in that the person owned their business and works alone; 28 percent had two to five employees and the remaining six percent had more than six employees."Given what’s going on, it's a great time to consider reaching out to small businesses if you’ve got those projects on the back burners, and finding ways to support small businesses if you have the means," said Chai."We've got to find a solution to this. America is going to suffer ultimately if the small business isn't there," said Cassagnol. Thumbtack is encouraging people to support their local businesses in any way they can right now as many feel uncertain when or if they will recover from this economic downturn. 3306

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