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Migrants scared, not knowing what to expect as they reached their destination, the San Ysidro Port of Entry, requesting asylum. Hundreds of people chanted as they approached the border with their families, including young children. They traveled thousands of miles from Central America with hope for a better life in America.One young man told 10 News he was fleeing violence, saying police attacked him and stole from him. He hopes for more opportunities, like a job and education in the U.S.Alfonso Rosales saw the migrants as he came over the border, saying in Spanish, they were excited and happy, cheering that they've reached their goal.Several immigrants told 10 News in Mexico they were scared, afraid what the process would entail and of being turned away.One father, Pedro Ismael Varela, said he's worried about being separated from his young son.At the border agents stopped the caravan saying they were at capacity. Members of the group say there's about 20 people waiting at the door for their turn, and the rest of the group waiting in Mexico.The port of entry is a 24 hour operation, and will be open overnight to process people wanting to come through the border."A lot of them get detained, some of them not, that’s the next step, it’s case by case," Alor Calderon, Director of Employer Rights Center said. He added that his role at the border was an "observer" to ensure the migrants are being processed fairly and appropriately.He said those in the caravan understand they could end up in a detention facility, and they're okay with it, "Yes because they’re they’re escaping what they feel is death and escaping what they think is a life without possibilities." 1728

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

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

Migrants scared, not knowing what to expect as they reached their destination, the San Ysidro Port of Entry, requesting asylum. Hundreds of people chanted as they approached the border with their families, including young children. They traveled thousands of miles from Central America with hope for a better life in America.One young man told 10 News he was fleeing violence, saying police attacked him and stole from him. He hopes for more opportunities, like a job and education in the U.S.Alfonso Rosales saw the migrants as he came over the border, saying in Spanish, they were excited and happy, cheering that they've reached their goal.Several immigrants told 10 News in Mexico they were scared, afraid what the process would entail and of being turned away.One father, Pedro Ismael Varela, said he's worried about being separated from his young son.At the border agents stopped the caravan saying they were at capacity. Members of the group say there's about 20 people waiting at the door for their turn, and the rest of the group waiting in Mexico.The port of entry is a 24 hour operation, and will be open overnight to process people wanting to come through the border."A lot of them get detained, some of them not, that’s the next step, it’s case by case," Alor Calderon, Director of Employer Rights Center said. He added that his role at the border was an "observer" to ensure the migrants are being processed fairly and appropriately.He said those in the caravan understand they could end up in a detention facility, and they're okay with it, "Yes because they’re they’re escaping what they feel is death and escaping what they think is a life without possibilities." 1728

MALIBU, Calif. (CNS) - Driven by howling winds and dangerously low humidity, a brush fire that began in Ventura County but raced over the Los Angeles County line continued a relentless march toward the Pacific Ocean Friday, forcing thousands of people from their homes as evacuation orders were imposed for the entirety of Malibu. The Woolsey Fire exploded to more than 10,000 acres overnight, then was estimated at 14,000 by midday Friday, with zero containment. Driven by 50- to 60-mph winds, the flames jumped the south across the Ventura (101) Freeway in the Liberty Canyon area early Friday. The flames devoured homes as it continued to chew through brush, but there was no immediate word on how many structures had been affected. By early Friday, authorities indicated there had been significant property losses. Fire crews in one area of Malibu alone reported as many as 30 homes being consumed by flames, with the blaze advancing on dozens of others. There were sporadic reports of people being unable to escape burning homes in remote areas, but as of mid-morning Friday, there had been no reports of any injuries to firefighters or residents. Evacuation orders were imposed overnight affecting tens of thousands of residents in both counties, and at 10 a.m. Friday, mandatory evacuation orders were expanded to include the entire city of Malibu. The order includes the area south of the 101 Freeway from the Ventura County line east to the area of Old Topanga Canyon Road, and as far south as the Pacific Ocean. Residents were advised to use Pacific Coast Highway to evacuate, and to avoid using canyon roads. Evacuating residents were being directed south of PCH toward Santa Monica, creating a snarl of vehicles along the normally scenic coastal route. Complicating matters were the traffic signals that were knocked out of service, and motorists were advised to expect lengthy delays. Mandatory evacuations were earlier issued for the area north of the 101 Freeway from Valley Vista to Reyes Adobe in the areas of Agoura Hills, Calabasas and Westlake Village. The American Red Cross announced that the nearest evacuation center for residents of Malibu was at Palisades High School, 15777 Bowdoin St., in Pacific Palisades. An evacuation center also was established at Taft High School at 5461 Winnetka Ave. in Woodland Hills. An evacuation center for animals was opened Friday morning at Hansen Dam, 11770 Foothill Blvd. in Lake View Terrace, after the evacuation center at Pierce College in Woodland Hills reached capacity. And a large animal evacuation center was established at the Zuma Beach parking lot in Malibu. Industry Hills Expo Center in the San Gabriel Valley was also offering shelter for horses from fire-affected areas. With the fire jumping the freeway overnight, the California Highway Patrol shut down a four-mile stretch of the 101 Freeway between Las Virgenes to Kanan roads. The closure was extended Friday morning to include the entire freeway from Valley Circle Boulevard in Hidden Hills to Reyes Adobe Road in Agoura Hills, according to Caltrans. The Woolsey Fire broke out about 2:25 p.m. Thursday in Ventura County west of Chatsworth, pushed by strong Santa Ana winds. Early Friday, the whipping winds prevented fire commanders from ordering aerial assaults in the early morning hours, but some flights began at 5:30 a.m. as the wind died down. But winds quickly began picking up again as dawn broke. High winds were expected to continue until 10 p.m., when a red flag warning of heightened wildfire conditions is scheduled to expire. Fire authorities estimated Friday morning that at least 75,000 homes in Los Angeles and Ventura counties were under evacuation orders, but with the orders spreading along with the flames, thousands more were likely affected. Heavy smoke and strong winds hampered visibility for crews on the fire lines and residents trying to evacuate fire zones. The fire prompted the closure of all schools in the Las Virgenes Unified School District in Calabasas, as well as Viewpoint School, Montessori of Calabasas, Montessori of Calabasas Too and Muse School. Also shut down were the schools of the Conejo Valley School District, headquartered in Thousand Oaks, and the Los Angeles Unified School District's Topanga Elementary Charter School. About 2:30 a.m., mandatory evacuation orders that had been issued in the city of Los Angeles near West Hills and Hidden Hills were changed from mandatory to voluntary, according to Brian Humphrey of the Los Angeles Fire Department. The orders affected residents north of the 101 Freeway, south of Bell Canyon Road, west of Valley Circle Boulevard and east of the Los Angeles city limit. Evacuation orders in the Hidden Hills area of Los Angeles County were also downgraded to voluntary. About 12:30 a.m., all residents in Los Angeles and Ventura counties north of the Ventura (101) Freeway, south of Bell Canyon Road, west of Valley Circle Boulevard and east of Erbes Road, as well as north of Kanan Road, west of Lindero Canyon to Erbes Road extending north to Sunset Hills Boulevard were told to evacuate, according to the Ventura County Fire Department. That includes areas of Agoura Hills, Calabasas and Westlake Village, all in L.A. County. The Los Angeles Police Department was placed on a citywide tactical alert about 12:45 a.m. to ensure all resources are available to assist with any evacuation orders and road closures prompted by the Woolsey Fire, according to a statement from the department. The tactical alert was lifted about 7:45 a.m. "If you're in an affected area and have been ordered to evacuate, evacuate," police said. Calabasas city officials advised residents not under mandatory evacuation orders to prepare to leave by gathering their IDs, medications, important documents, emergency supplies and a change of clothes. Los Angeles County and city crews were assisting in the firefight, which was taking place as a second, larger brush fire raged further west in Ventura County in the Santa Rosa Valley/Thousand Oaks area. The Orange County Fire Authority sent two strike teams to the assist firefighters battling the Woolsey Fire, Capt. Steve Concialdi said. 6298