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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 Trump's senior adviser and son-in-law Jared Kushner told journalist Bob Woodward during a taped interview in mid-April that Trump was "getting the country back from the doctors" amid the coronavirus pandemic.According to newly released audio obtained by CNN, Kushner's comment came as more than 40,000 people in the U.S. had already died from COVID-19. 370

RAMONA (KGTV)- Myrtle the coyote is recovering at The Fund for the Animals Wildlife Center in Ramona, after the Rancho Bernardo neighborhood came together to help.Katie Ryan has been watching Myrtle the coyote for years, and sounded the alarm when she first saw the new mother ensnared in a pipe. Katie guessed Myrtle was trying to capture a small animal that hid in the pipe and she got stuck. It took five weeks of constant phone calls, prayers and sleepless nights looking after Myrtle before she could get a trapper to catch the elusive coyote."I can't even describe I was crying and laughing all at the same time," Ryan said, her smile wide. She enlisted neighbors to block off the area, after a failed attempt Monday night due to a man trying to approach Myrtle and scaring her off.Neighbors said they guarded the neighborhood for hours Tuesday evening, going home with no hope. Then, a few minutes later, Myrtle followed a trail of rotisserie chicken and was caught in a trap around 8:30p.m.The Fund for the Animals Wildlife Center picked up the coyote that night and sent this statement. 1118

Presidential candidate Joe Biden’s campaign released a statement on Monday saying that the former vice president is not in favor of defunding police departments.His campaign’s statement comes a day after the Minneapolis City Council voted on dismantling the city’s police department in the wake of the death of George Floyd.Biden’s campaign added that he is supportive of police reforms, many of which are backed by those leading massive protests throughout the country.“Vice President Biden does not believe that police should be defunded,” Biden campaign spokesperson Andrew Bats said. “He hears and shares the deep grief and frustration of those calling out for change, and is driven to ensure that justice is done and that we put a stop to this terrible pain.”Biden’s campaign says it is supportive of increasing funding for public schools, summer programs and mental health and substance abuse treatment, “so that officers can focus on the job of policing.”Meanwhile, President Donald Trump tweeted on Monday that “the radical left Democrats have gone crazy” in response to defunding the police.“The president is appalled by the defund the police movement,” White House press secretary Kayleigh McEnany said.Earlier on Monday, Democrats in Congress proposed legislation calls on a national ban on police use of chokeholds, mandates racial bias training for officers, and sets restrictions on transferring military-type vehicles from the federal government to local police departments.Last week at a speech in Philadelphia, Biden said that he would call on Congress to implement a ban on chokeholds and a stop of transferring military equipment to police departments.McEnany said that the president does not have a specific police reform plan in response, but said it’s something he will look into. 1810

Ranked the 8th fastest-growing among small breweries in the country in 2017, we go inside Eastlake’s Novo Brazil Brewing to see what makes them so good.Novo Brazil Brewing Co.901 Lane Ave #100, Chula Vista, CA 91914Phone: (619) 869-4274 MORE: Two San Diego County breweries among fastest growing in the nation    340