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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 San Diego commuter is saving big by getting on a bike, but not breaking much of a sweat.It was 6 a.m. on a Tuesday morning, when 10News caught up with Jon Taddeo as he prepared to bike to work.  This ride would be powered by a little something extra, in the form of an electric motor. Taddeo bought an electric bike in October."I feel like a fast biker," said Taddeo.Pedaling more will cause the motor to kick in when he needs it.  For Taddeo, it's a big difference compared to riding a pedal bike."17 miles per hour up a hill.  Before it was four or five miles per hour, huffing and puffing," said Taddeo.That means arriving at work less tired and sweaty.  Long popular in Europe and Asia, e-biking has surged in popularity in the U.S. in the past few years.Taddeo's commute from Carmel Valley to Miramar College took about 30 minutes, only a few minutes slower than his average drive."I feel good.  Blood flowing, refreshed and ready to work," said Taddeo.He also feels pretty good about his savings.  Before, he spent about 0 a month on gas for his commute.  That's now down to pennies, basically the cost of charging the motor battery."It'll definitely go a long way. A little for food, and it'll help pay off the rest of my car," said Taddeo.The average cost of an e-bike is in the ,000 range.The City of San Diego has incentives for drivers to switch to a bicycle commute, including secure parking at bike lockers near transit stations. Get more information here. 1538

SAN DIEGO (KGTV) - A North Park barber salon is on the brink of shutting down due to the coronavirus.Melissa and Christopher Cage met in high school. Melissa grew up in Watts and Christopher grew up in West L.A."I love it, you know, it made me who I am. It made me strong," Melissa said.Christopher said it was a dangerous place to grow up, "shootings, drive-bys, everything. That's why I wanted to get my kids away from that."They got married and in 2013, Christopher was laid off. They had three kids with a fourth on the way and at that moment he said he would never work for someone else again.He went to barber school. Five and a half years ago the family picked up and moved to San Diego with a dollar in Christopher's pocket."I think I gave my last dollar to a bum," he said, his wife nodding behind him. They were grateful to live in their aunt's living room as they saved up for a new place. They built up enough money to rent a run-down North Park house. They remodeled it and created Originality Barber Salon. Christopher has a row of barber chairs in the front half of the business and Melissa has a serene intimate salon in the back.Their challenges didn't end when the doors opened. Melissa said their biggest challenge was being accepted by the neighborhood.In 2018, someone spray-painted a racial slur in front of their shop. They cleaned it up and used it as motivation to succeed."I'm not going to fight hate with hate, I'm not going anywhere so you're just going to keep seeing me, so might as well," Melissa said.When the pandemic first hit, they kept their positive attitude, looking at it as a vacation."It was a vacation but then it started to get a longer vacation and I'm like okay, we're starting to dip into our savings now. I'm like we need to start figuring something out," she said.They were able to reopen for a few weeks, due to the county orders, and then, forced to close again.Multiple loan applications were denied. They said they were trudging through the permitting process to work outside. When Monday came and barbers could once again work indoors, Chris said it could be too late.They have a child with health issues, putting her at greater risk for catching the coronavirus, so they're trying to balance safety with finances.The couple said their goal of the business is to leave something for their children. They hope to break down barriers and elevate their childrens' opportunities.At the request of friends, they created a GoFundMe page here.The San Diego Black Chamber of Commerce created the Black Business Relief Grant Fund to help businesses facing struggles like Originality Barber Salon. For more information on the grant click here.Chris and Melissa are hoping to receive a grant during the fund's second round of giving, in September. 2798

SAN DIEGO (KGTV) -- A nurse who works for the Las Colinas Detention and Reentry Facility tested positive for coronavirus Wednesday, the San Diego County Sheriff's Department says. According to the department, the nurse has been isolated at home. No other information was provided about the individual's condition at this time. The department says it has identified inmates and staff who may have come into close contact with the nurse. INTERACTIVE MAP: Confirmed coronavirus cases in San Diego County"Following the guidelines of the Centers for Disease Control and Prevention (CDC), no inmates who had contact with this nurse are currently in isolation," the department said. A total of nine employees are considered at low exposure risk. All nine employees are currently under self-quarantine."The Sheriff's Department has implemented safeguards to ensure the health and well-being of employees. We have been providing comprehensive education to staff on how to reduce chances of exposure and infection. We are continually updating communications with employees to include the latest best practices for combating the virus through training bulletins, signage at Sheriff's facilities and daily updates via email. We have implemented social distancing, virtual meetings, working from home, as well as paused non-essential meetings, travel and training. We have hand sanitizers, cleaning wipes and disposable gloves readily available to employees," the department continued. RELATED: San Diego COVID-19 Tracker: County reports third deathNo inmates have tested positive for coronavirus in San Diego County jails. 1619

SAN DIEGO (KGTV) — A man running in and out of traffic while naked in Little Italy died after being taken into police custody Friday.Witnesses say the man was yelling for help in the area of 600 W. Grape Street at about 11 p.m. When the first San Diego Police officer responded, he was able to place handcuffs on the man.As the officer led the man out of traffic, though, witnesses told police the man began to struggle and was taken to the ground by the officer. At least two civilians had to help restrain the man until more officers arrived.RELATED: El Cajon hit-and-run crash suspect found hiding under bedThe man was taken to a nearby hospital where he died just before midnight. The man's death was ruled as an in-custody death.During the struggle, the man suffered a cut to the head. Police are unsure if that contributed to the man's death.SDPD has not released the man's identity but said they believe drugs or alcohol played a factor in his death.No officers or civilians were injured during the arrest.Anyone with information is asked to call SDPD's homicide unit at 619-531-2293 or Crime Stoppers at 888-580-8477. 1158