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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

Ray Chavez, the nation's oldest survivor of the attack on Pearl Harbor, has died, the White House says. He was 106.The veteran passed away peacefully in his sleep Wednesday, CNN affiliate KFMB reported, citing a family statement.Chavez was a quartermaster stationed in Pearl Harbor at the time of the Japanese attack on Hawaii that launched America's entry into World War II in 1941.He lived in Poway, California, with his family but gained prominence in recent years as he traveled around the country, attending memorial services and commemorations. Earlier this year, he met with President Donald Trump in the Oval Office ahead of Memorial Day."Ray was honored to have served his country and to fight among heroes and loved meeting his fellow comrades," his family said in a statement. "He cherished his time going to talk to the kids at schools because he doesn't want them to forget Pearl Harbor."As his health declined in recent months, he wished to be buried at the Miramar National Cemetery, the San Diego Union-Tribune reported. 1044

Rescuers are searching for crew members aboard two US Marine planes that collided mid-air off the coast of Japan in the early hours of Thursday morning, according to Japan's Ministry of Defense and the US Marine Corps.At least one Marine was killed in the crash and the body has been recovered, the Marine Corps said in a statement. A second Marine was rescued and is described to be in fair condition. Five other Marines remain missing.The KC-130 and F/A-18 collided at 1:42 a.m. local time, according to a Japanese Defense Ministry statement.According to a statement from the US Marine Corps, the crash happened during an aerial refueling that was part of a routine training. The primary mission of a KC-130 is airborne refueling.It is believed five crew were on board the KC-130 and two on the F/A-18 at the time of the crash, two US defense officials told CNN.First Lt. Josh Hayes, a public affairs officer with the 3rd Marines Expeditionary Forces based out of Okinawa, told CNN the rescued Marine was in "fair condition."The killed Marine was found by a Japanese military ship at 12:13 p.m. local time and was being transferred to a mainland medical facility, according to Japanese defense spokesperson Norio Harada.Japan has dispatched 10 aircraft and three ships from its Self Defense Force and Coast Guard to help with the search for five people still believed to be missing.The US 7th Fleet said in a statement that it was supporting ongoing search and rescue efforts with a Navy P-8A Maritime Patrol and Reconnaissance Aircraft flying out of Kadena Air Force Base.Rescue teams are battling bad weather which has passed through the area in the last 24 hours or so, bringing showers, storms and sustained winds of 30 to 40 mph."The weather is definitely going to play a factor," said Hayes. "It's a full team effort between us and the Japanese defense force. And we're hoping to get our Marines back."The crash happened approximately 200 miles (321 kilometers) off the coast of Iwakuni, Japan, a US Marine Corps official told CNN.The planes "had launched from Marine Corps Air Station Iwakuni and were conducting regularly scheduled training when the mishap occurred," according to a statement from the US Marine Corps.Wednesday's incident comes on the same day that the Marines released a report on a crash in July 2017, also involving a KC-130 variant that killed 15 Marines and one sailor.That KC-130T crash took place in Leflore County, Mississippi, and the "investigation determined that the aircraft's propeller did not receive proper depot-level maintenance during its last overhaul ... in September 2011, which missed corrosion that may have contributed to the propeller blade" coming loose during the flight and going into the aircraft's fuselage, according to a Marine Corps statement on the investigation.The-CNN-Wire 2845

President Donald Trump told reporters Friday he remains open to holding a summit with North Korea's Kim Jong Un on June 12.The President said lines of communication had opened between the two countries after officials said Thursday that the North Koreans had become unresponsive, leading to the planned summit's cancellation."We're going to see what happens. We're talking to them now. It was a very nice statement they put out," Trump said on the South Lawn before departing in his helicopter for the US Naval Academy in Maryland, where he is delivering a commencement address."We'll see what happens. It could even be the 12th. We're talking to them now," he said. "They very much want to do it. We'd like to do it."Asked whether the North Koreans were playing games, Trump acknowledged they were -- and suggested he was too."Everybody plays games. You know that," he told reporters when asked about the ongoing talks. "You know that better than anybody."Earlier Friday morning, Trump also hailed North Korea's statement that its leader, Kim Jong Un, is still willing to meet Trump "at any time" despite the President's cancellation of an historic summit between the two leaders."Very good news to receive the warm and productive statement from North Korea," Trump wrote Friday morning on Twitter. "We will soon see where it will lead, hopefully to long and enduring prosperity and peace. Only time (and talent) will tell!"Kim Kye Gwan, a top official at North Korea's Foreign Ministry, said Trump's decision to cancel the talks, which were scheduled for June 12 in Singapore, ran counter to the global community's wishes for peace on the Korean Peninsula."We would like to make known to the US side once again that we have the intent to sit with the US side to solve problem(s) regardless of ways at any time," said Kim in comments published Friday by the country's state-run news agency KCNA. Kim also said Trump's decision was "not consistent with the desire of humankind for peace and stability in the world, to say nothing of those in the Korean Peninsula."Minutes before his Friday morning tweet, Trump claimed Democrats were "rooting" against his administration in its negotiations with North Korea."Democrats are so obviously rooting against us in our negotiations with North Korea," the President wrote on Twitter. "Just like they are coming to the defense of MS 13 thugs, saying that they are individuals & must be nurtured, or asking to end your big Tax Cuts & raise your taxes instead. Dems have lost touch!"Trump announced his decision to scrap the June summit in a letter Thursday that read "I feel it is inappropriate, at this time, to have this long-planned meeting" following antagonistic rhetoric from Pyongyang.After the news the summit was called off, Democrats criticized Trump for the decision.House Minority Leader Nancy Pelosi told reporters Thursday on Capitol Hill that the canceled summit was "a good thing for Kim Jong Un."Pelosi said the meeting "takes preparation, this takes knowledge, this takes judgment, and clearly it takes preparation, which the President didn't make.""It's clear he didn't know what he was getting into," the California Democrat said. "And now he's walking away from it in this very chummy, palsy-walsy letter to Kim Jong-un. He, Kim Jong-un, is the big winner."She added, "And when (Kim) got this letter from the President saying, 'Okay, nevermind,' he must be having a giggle fit right there now in North Korea."Democratic Sen. Ben Cardin of Maryland called Trump's decision "puzzling" in an interview on CNN's "New Day" Friday morning."I think everyone understands that the only way to resolve this is through diplomacy," Cardin said. "There is no military option without extreme risks, so it's puzzling that the President has now thrown diplomacy off track."Cardin, who sits on the Senate Foreign Relations Committee, knocked accusations that Democrats want Trump to fail, saying "we certainly want the President to succeed.""We want to make sure that when a summit takes place, and we hope it will, that it will be properly prepared and we can have a favorable outcome," Cardin said.Republicans, however, hailed the President's action as a tough negotiating move.Echoing the President, former White House communications director Anthony Scaramucci accused Democrats of "supporting" Kim.During an interview on "Fox and Friends" on Friday, Scaramucci said the "bluntness and steely backbone" that the President has displayed in deal-making is "something that these guys don't like, which I find very ironic.""It's almost like they are supporting -- they support MS 13, Hamas and now they're supporting the Chairman, Chairman Kim," he said.Republican Sen. Lindsey Graham said in an interview on the same program Friday morning, "Everybody who is criticizing the President regarding the letter, how well did you do in North Korea?'" He added that he thought the letter was the "right decision."Graham said he believes Trump will be able to achieve the denuclearization of North Korea within his first term."It's not 'if' he ends the North Korean program, it's 'how and when,'" Graham said. "There's two ways: Diplomacy to be a win, win, which is the preferred route; military conflict that will destroy the regime. When: I think he is going to do this in his first term."According to Graham, Trump said he's "not going to pass this on to anybody else."A former critic of Trump during the campaign, Graham added, "He thinks he is going to get reelected. So do I."The South Carolina Republican also told Fox News that the next step for Trump is to reprimand China for seemingly undercutting US diplomatic efforts with North Korea after a meeting Kim had in early May with Chinese President Xi Jinping."He's going to go back to China, I think, read them the riot act. 'If you want a peaceful solution to the North Korean problem, help me. If you keep playing this game we have played for 30 years, there is going to be a war in your backyard, not ours, and North Korea is going to lose,'" Graham said.Graham said he hopes "through diplomacy there would be no nuclear North Korea."But, "if there is going to be a war, it's going to end badly for North Korea," he said.The-CNN-Wire 6249

Prosecutors accused former Trump campaign chairman Paul Manafort of being a "shrewd" liar who orchestrated a global scheme to avoid paying taxes on millions of dollars as Manafort's trial kicked off on Tuesday.Manafort lived an "extravagant lifestyle" fueled by millions of dollars in "secret income" that he earned from his lobbying in Ukraine, said Uzo Asonye, a prosecutor working on the case with special counsel Robert Mueller's team, in his opening statement."All of these charges boil down to one simple issue: that Paul Manafort lied," Asonye said. 564