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SAN DIEGO (KGTV) -- A new study by Zillow shows that homebuyers with lower credit scored pay more for the same homes than buyers with excellent credit scores.According to Zillow, borrowers with excellent credit scores could get a mortgage with a 4.5 percent annual percentage rate.Borrowers with a fair credit score could get a 5.1 percent rate. Over the lifetime of a 30-year mortgage, that means a buyer with a fair credit score may end up paying an additional ,000 over the lifetime of the loan.In San Diego, where the median home value in March of 2018 was 5,300, Zillow estimates that homebuyers with fair credit will pay ,000 for the same home.The difference is only amplified in more expensive markets, Zillow says. In addition, the penalty for lower credit scores tends to be higher."When you buy a home, your financial history determines your financial future," said Zillow senior economist Aaron Terrazas. "Homebuyers with weaker credit end up paying substantially higher costs over the lifetime of a home loan. Of course, homeowners do have the option to refinance their loan if their credit improves, but as mortgage rates rise this may be a less attractive option."Zillow says that even if homeowners don’t pay the full 30-year term on a loan, the annual cost of a lower credit score can still add up to 0 a year. 1346

SAN DIEGO (KGTV) -- A new report sheds a light on how much space San Diego renters can afford based on median income. San Diego’s median income can afford renters 552 square feet, according to a new report by Rent Café. The City of San Diego says the median income for a family of four is ,400. RELATED: San Diego among most rent-burdened cities in U.S.In Chula Vista, the median income goes slightly further at 565 square feet. According to Data USA, the median household income in the South Bay city is slightly less than ,000. While 552 square feet may not seem like a ton of space, the median income in other California cities affords renters far less. According to the report, if you limit spending on rent to 30 percent of your income, you’d have to live in less than 350 square feet in both Los Angeles and Oakland. RELATED: San Diego among top cities where adults still live with parents, study saysSan Francisco placed slightly higher on the list at 407 square feet due to a higher median income. Gilbert, Arizona ranked highest on the list, where the median income has the buying power of a little more than 1,170 square feet. The median household income in the Arizona city is slightly more than ,000, according to Data USA. 1253

SAN DIEGO (KGTV) - A new program in San Diego will offer people as much as ,000 to trade in their gas-powered cars for an electric vehicle.In October, the County Board of Supervisors approved the Clean Cars 4 All program. Starting in 2020, the County will get million per year to help low-income families go electric."The problem with electric vehicles is the upfront cost of purchase," says County Supervisor Nathan Fletcher. "So we've got to help bridge that gap for people in low income communities so they can get the same benefits."RELATED: Making it in San Diego: Tax credit coalition helps San Diegans find thousands of dollars in refundsBenefits like lower yearly costs on fuel and maintenance. A 14-gallon car that gets filled up four times per month would cost around ,400 per year. That money could now go back into a family's budget. The same goes for oil changes and many types of car maintenance."When you talk about not having to change oil and not having to maintain and internal combustion engine, you take a big part out of it," says Cole Lowenfield, the General Manager of Mossy Ford in Pacific Beach.In addition to the Clean Cars 4 All program, there are 26 other state and federal grants and tax incentives available to people who want to go electric. Lowenfield says he knows of about 150 different kinds of makes and models scheduled to come out in the next 15 years, meaning there's something for everyone.RELATED: Making it in San Diego: Giving up car helps lead to luxury rental"It's going to make every car affordable enough to where you choice is electric or gas, not high or low payment," he says.There's also an environmental aspect to the program, as it targets people in some of the most highly polluted areas of the county."A child in Barrio Logan is more likely to have asthma than a child in La Jolla," says Fletcher. "We're trying to address that inequity by providing grants to get electric vehicles into those communities with dirtier air."It will also help the County meet mandatory greenhouse gas emission reduction levels over the next few decades.RELATED: Making it in San Diego: More San Diegans keeping their cars for 15 years or longerOne challenge to owning an electric car is the lack of charging stations, especially in low-income neighborhoods. Fletcher says this program will address that by adding 2,000 more chargers by 2028, in public places like parks, libraries and other county owned buildings.SDG&E is also offering incentives to landlords who want to add charging stations at apartment and condo complexes and at business centers.Lowenfield says the market is changing and electric vehicles are poised to take over."I bet, one day soon, it's going to be hard to find a gas-powered vehicle," he says. 2778

SAN DIEGO (KGTV) - A Marine was honored Monday at Camp Pendleton for his bravery mid-September when he saved a choking baby.Private First Class Jonathan Lewellen was on leave after graduating boot camp before starting combat training. He was upgrading his phone at the Liberty Station Verizon store when he heard a mother screaming her son's name."She wasn’t hysterical but she was panicked," Verizon Store Manager Cecil Silva said. "He [Lewellen] looked and his instincts just kicked in, like he literally jumped over a desk we had, jumped over the railing, ran through the bushes and just attended to the baby."Lewellen asked the mother if he could help, then performed CPR, and scooped mucus out of the baby's throat."The baby was pretty pale, started getting a little blue-ish," Silva said he called 9-1-1 and was asked to stay on the line, saying several others calling couldn't hold a connection due to bad cell service."Once the ambulance was here they were just like, you’re lucky this guy was here," Silva said both parents were shaken from what happened. He added he has nieces and nephews of the same age and admired how Lewellen had the training and response to provide aide."That just shows, you never you never just turn that part of you off. Good people are just good people," he said, calling him a hero."I did what I was trained to do I don't think I'm a hero more than anyone else would be," Lewellen said. He was thinking of his own two children while saving the baby. He has a 3-year old and a 3-week-old.After combat training, he will go on to work as an aviation mechanic. 1637

SAN DIEGO (KGTV) — A sailor was critically injured by a rotating helicopter blade at MCAS Camp Pendleton this week, officials announced Friday.The sailor was struck by a spinning UH-01Y Venom tail rotor blade while the aircraft was on deck Wednesday just after 6 p.m., officials said.The service member was brought to a San Diego hospital after the incident and was in critical condition Friday.Officials did not name the sailor but said they are assigned to the 3rd Marine Aircraft Wing.An investigation has begun, though no additional details were made available. 573