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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

President-elect Joe Biden said on Wednesday that his transition team’s response to the COVID-19 pandemic is being put in jeopardy as he awaits the Trump administration to recognize his victory in this month’s presidential election.“I am optimistic but we should be further along,” Biden said during a virtual call with first responders. “One of the problem that we are having now is the failure of the administration to recognize (the results).Since the Associated Press projected Biden as the winner of the election on Nov. 7, President Donald Trump and his campaign has made multiple claims that the election was stolen, and accusing election officials of fraud. So far, Trump’s campaign has not been able to substantiate any evidence of fraud in court, and has had a number of lawsuits dismissed.Regardless, the Trump administration has prevented the Government Services Administration from assisting Biden with his transition. After past presidential elections, the apparent winner is given funding and access to documents to begin the transition.Biden pointed to the Presidential Transition Act of 1963, which says that government services and documents be made available to the “apparent” victor of the presidential election.Given that 1,700 Americans died from the coronavirus on Tuesday, Biden says that it’s important his transition has access to data and information to ensure the continuity of the country’s response to the pandemic.“We need to know about the depth of the stockpiles, we know there aren’t much at all,” Biden said. “We get to the point where we have a sense of when these vaccines come out, how they’ll be distributed, who will be first in line, what the plan is.”And if the administration continues to hold up the transition?"There are a whole lot of things that we just don’t have available to us, which unless it’s made available soon, we’re going to be behind by weeks or months being able to put together the whole initiative relating to the biggest progress we have with two drug companies coming along and finding 95% effectiveness efficiency in the vaccines,” Biden saidThe White House says that calling for recounts and holding up the transition is due diligence, even though there is nothing stopping the Trump campaign from allowing the transition to move forward while contesting the results.“Actually, I think at this point, the American people just want to make sure that every legitimate vote is counted, and that nobody's discounted,” White House chief of staff Mark Meadows said.Meanwhile, some staunch Trump supporters, while not calling on Trump to concede, are saying that Biden should be included in intelligence briefings.“The president is contesting the election, and I would urge him to give intel briefings to Biden... to Joe Biden. How much further to go, I don't know,” Senator Lindsey Graham of South Carolina said.Without access to top government experts, such as Dr. Anthony Fauci, Biden has called upon outside experts to advise him on the coronavirus. Among them is Dr. Rick Bright, who was dismissed from his post in the Trump administration after criticizing the administration’s response to the pandemic.Outside organizations have also expressed concern over the transition, including Amnesty International. "Trump administration's refusal to cooperate with President-Elect Biden is worsening COVID-19 human rights crisis," the organization tweeted on Wednesday. Today, the U.S. topped 250,000 deaths from COVID-19 but President Trump continues to reject cooperation with President-Elect Biden’s team on the pandemic." 3589

President Donald Trump signed a presidential proclamation Friday morning that will bar migrants who cross into the US illegally through the southern border from seeking asylum.Trump told reporters that he had "just signed" the proclamation as he departed the White House on Friday morning en route to Paris.The proclamation put into effect a new rule the Trump administration entered into the federal registry on Friday that would ban migrants from applying for asylum outside of official ports of entry. The American Civil Liberties Union has already called the rule "illegal," and legal challenges are expected to follow.The executive action is the latest the President has taken to clamp down on illegal immigration and to discourage the group of migrants now traveling through Mexico, many of whom want to seek asylum in the US, from making their way toward the country. Trump announced Thursday that he would make such a move.The-CNN-Wire 951

President Donald Trump sought to buy all the dirt on him collected by the tabloid National Enquirer and its parent company American Media Inc., according to a new report.Trump and his former personal attorney Michael Cohen devised a plan to purchase potentially damaging stories about Trump from AMI, The New York Times reported Thursday, citing several of Trump's associates.The plan was never finalized, according to the Times. Lawyers for Trump and Cohen declined to comment to the newspaper, as did AMI.The information gathered on Trump dating back to the 1980s includes older stories and notes about Trump's marital woes, lawsuits and tips about alleged affairs, among other things, according to the Times.Last week, Jerry George, the former Los Angeles Bureau Chief for the National Enquirer, told CNN's Erica Hill on "Erin Burnett OutFront" that American Media head David Pecker kept a safe in which he held "particularly sensitive story files," including source agreements and contracts. The Associated Press first reported on the safe. 1052

President-elect Joe Biden is slated to deliver remarks in defense of the Affordable Care Act (ACA) on Tuesday — the same day the Supreme Court is slated to hear arguments in a case that could effectively strike down the law.Biden, who was serving as Vice President in the Obama Administration when the landmark legislation passed in 2010, has promised to build upon and improve the public health care system set up by the ACA.Biden faces an uphill battle in enacting legislation on the Senate, where Democrats must win two runoff races in Georgia in January in order to control the chamber.But because Republicans rushed to confirm Justice Amy Coney Barrett to the high court prior to the election, conservatives now hold a 6-3 advantage — and there's a chance the ACA may not even survive long enough for Biden to make changes to the law.The case, brought by several conservative states and the Trump administration, asserts that one of the law's most controversial items — the individual mandate — is unconstitutional.The individual mandate required all Americans to be covered by insurance or pay a penalty tax. In 2019, Trump signed a law that removed the individual mandate, allowing conservative states like Texas, to set the penalty rate to <云转化_句子>. Those states now argue that because the individual mandate is not raising revenue, it makes the law unconstitutional.The Supreme Court is expected to issue a ruling on the case early in early summer.Biden's remarks on Tuesday come a day after he met with his newly-appointed COVID-19 advisory board — a group that will provide guidance to Biden's transition team about the pandemic. During his address on Monday, Biden stressed that the U.S. will face "a very dark winter," but added there are steps everyone can take to slow the spread of the virus."I implore you, wear a mask. A mask is not a political statement," Biden said.Biden's remarks about the Affordable Care Act are scheduled to take place at 2 p.m. ET. 1975