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LOVELAND RESERVOIR, Calif. (KGTV) - With Santa Ana winds in the forecast for Wednesday morning, Cal Fire stationed more than 500 firefighters in strategic spots to attack any hot spots that flared up in the Valley Fire burn area.The plan worked.Crews were able to recognize hot spot fires quickly and direct resources to fight them before early morning winds spread the flames across Lawson Valley.One flare-up started on a mountain peak just northeast of Loveland Reservoir. That area burned on Saturday, but Barona Fire Department Chief Ken Kremensky said embers stayed hot enough under the tree canopy to reignite Wednesday morning."The retardant coats the area," Kremensky explained. "But a lot of times in the heavier brush it lays along the top of the brush and it doesn't penetrate all the way the ground so there's hot stuff and it creeps in there. And once it creeps through the retardant, it gets into that open field starts to spread. If you get some wind on it and it picks up, you see the flame starting to show up."The fire was in a remote area that would take hand crews hours to reach. So, Cal Fire sent in a squad of helicopters.Helicopters from San Diego Gas & Electric, Cal Fire and the San Diego County Sheriff's Department took turns dousing the flames with water for nearly an hour, making multiple passes and filling up with water from the reservoir.After they left, military helicopters took over. By 11 a.m., the fire was mostly out."We'll just keep plugging away and hopefully the weather will cooperate with us and that'll be a good success," said Kremensky.Heavy winds never materialized, with gusts in the fire zone topping out at 30 miles an hour. Crews were able to handle several other hot spots that ignited and keep the flames within the fire perimeter.Kremensky said they were fortunate that the weather cooperated. 1862

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

LOUISVILLE, Ky. — The coronavirus pandemic has already triggered unprecedented election disruptions in the 2020 cycle. Now, those worried about suppressed turnout in the upcoming general elections are focused on Kentucky.Voters in the Bluegrass State will vote in primary elections on Tuesday, and the virus has already had a stark impact on the election. In Louisville, the state's largest city, only one polling place has been designated.That polling place will now serve as the only option for in-person voting on Tuesday for an area representing about 600,000 people — including a large portion of the state's Black population.Voters who didn't cast mail-in ballots could face long lines — just as voters in Georgia did earlier this month when dozens of polling stations were closed due to COVID-19. During Georgia's primary, voters waited in line late into the night in Atlanta and Savannah in order to cast their ballots.Kentucky turned to widespread mail-in absentee voting in an agreement between the state's Democratic governor and Republican secretary of state in response to the pandemic. But voters not requesting absentee ballots will have to show up Tuesday.The state's primary, typically in late May, was delayed more than a month.Voters in New York state will also vote in primary elections on Tuesday — days after election officials expressed concern about the state's mail-in voting system to The New York Times. Officials said Friday that thousands of ballots had yet to be delivered to voters, meaning they likely wouldn't arrive on time before Tuesday's election.At stake are several high-profile primaries that could have a significant impact on the shape of Congress. In Kentucky, Charles Booker and Amy McGrath are facing off in a Democratic primary for the right to face Senate Majority Leader Mitch McConnell in November. McGrath, a moderate candidate, was the heavy favorite, but the progressive Booker has closed the polling gap in recent weeks.In New York, Rep. Elliot Engle (D) — the chairman of the House Foreign Affairs Committee — is in danger of losing his seat to another progressive candidate, first-time candidate Jamaal Brown. 2172

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

Loved ones held a fundraiser today for the family of a mother killed by a hit-and-run driver. The CHP says Bernadette Castillo was struck last week along the 94 in Jamul. Her family and friends held a barbeque to raise funds for her funeral at Colina Del Sol Park on Friday.July 27th was a day that Debra Marulli will never forget. "Shock. Pain. A little bit of comfort because I know she’s not hurting," said Marulli. "Somebody loves her. To leave her on the side of the road like she’s an old pet, it's cruel." Loved ones held on to positive memories today while raising money for her funeral. "She was amazing," said Marulli. "She went out of her way to help anybody. She didn’t hold a grudge against people."The CHP has not identified a suspect. For now, everyone who knows her is just waiting for that to happen."We want closure I know her family wants closure, her son needs closure," said Marulli. "Come talk to somebody. Please"If the driver is found and arrested, CHP says they will face felony manslaughter and hit and run charges.  1110