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If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

How early is TOO early to start shopping for the holidays? While some think it's a sin to start this early, Walmart and Amazon feel August is a great time to begin your Christmas shopping.This week they released their holiday toy guides. Some of the top toys on the lists include: 298

IMPERIAL BEACH, Calif. (KGTV)— South Bay beaches are closed again, after millions of gallons of contaminated sewage water spilled from Tijuana, BC into Imperial Beach communities.It may look beautiful from afar, but up close, Giovanny Ceja says the waves were a little off Thursday afternoon. “We usually go to other beaches, and they look really clear, but that one was dirty and brown,” Ceja said.  Ceja and his little sister spent the day at Imperial Beach, near the south end of Seacoast Drive, boogie boarding and building sand castles. To get there, he walked right past many warning signs. Large yellow signs read: “KEEP OUT. SEWAGE CONTAMINATED WATER.”“It’s a completely unacceptable,” Imperial Beach City Councilwoman Paloma Aguirre says.According to the International Boundary Water Commission, a Tijuana water collector ruptured Wednesday night. That spilled 3.5 million gallons of sewage water into the Tijuana River, which gushed into South Imperial Beach. “It’s incredibly frustrating because this is the summer. This is our time to have open beaches in Imperial Beach,” Aguirre said. “It’s because of the incredible negligence that the state of Baja California authorities have shown and the lack of accountability and leadership from our federal agencies.”So far this year, there have been 50 beach closure days in Imperial Beach. Aguirre says as polluted water gushes into IB, quality of life gushes out. “At the end of the day Imperial Beach is at the end of the pipe,” Aguirre said. “We are the ones that are paying with economic losses, with illnesses to our kids, to our families, and to our environment.”As for little Giovanny, who did not notice the warning signs, now he is getting worried. “When I was boogie boarding the water wet in my mouth,” Ceja said. “I’ll shower. Maybe twice.”THe closure only affects beaches south of Seacoast Drive in Imperial Beach to the US-Mexico border. The IB Pier remains open. 1949

IMPERIAL BEACH, Calif. (KGTV) - Parents in Imperial Beach say the conditions are Reama Park could be dangerous to their children, as playground equipment is starting to show signs of deterioration."It's not normal wear and tear," says Casandra Stoll, who brings her daughter to the park almost every day. "I'd say it's something that needs to be addressed for sure."Stoll says her daughter tore her pants on a crack that developed in one of the slides. She also pointed out parts of the playground where rust and cracked plastic have created jagged edges."If she were to get cut on that, you have to worry about tetanus and any other kind of infection you can get," says Stoll.Other areas of the park have patches in the padded ground that are missing. Even the plastic coverings on park benches and tables have been worn away to expose the rusted metal.Rust on the playground equipment has also created holes in the pipes. Some of them are big enough for a child's finger to get stuck in.Parents says they understand that the playground won't always be in pristine condition. They're willing to accept some rust from the sea-air and normal wear and tear on the equipment. But they say the damage at Reama Park is too much.Sam Townsley brings his daughter Samantha to the park often. He wants her to be able to run free and have fun but says he's keeping an eye out for damage and danger."She's got a sense of autonomy," he says. "As long as there's no overt risk, it's alright."Parents say they hope the city can make repairs quickly."I just hope they can maintain it and keep it up and keep it safe for all the kids to enjoy for years to come," says Stoll.The City of Imperial Beach responded to 10News Tuesday, saying they’re waiting for money to come from the state parks bond, and expect to receive 0,000 for repairs within the next fiscal year.Officials also said they’re aware of the problems, and that Reama Park is in the worst condition of any Imperial Beach park. 1985

House Speaker Nancy Pelosi, D-Calif., filed a request with the Joint Committee on the Library on Wednesday to remove 11 statues of Confederate leaders from the US Capitol.The statues are held in Statuary Hall, and is a prominent spot for visitors of the US Capitol. The hall is frequently seen in the background of media interviews with members of Congress.Each state sends two statues to be viewed in Statuary Hall. States largely decide on the statues to be displayed in the hall. Among the statues in Statuary Hall include Confederacy president Jefferson Davis and Confederate commander Robert E. Lee.“The statues in the Capitol should embody our highest ideals as Americans, expressing who we are and who we aspire to be as a nation,” Pelosi said in a letter to formalize her request. “Monuments to men who advocated cruelty and barbarism to achieve such a plainly racist end are a grotesque affront to these ideals. Their statues pay homage to hate, not heritage. They must be removed.“While I believe it is imperative that we never forget our history lest we repeat it, I also believe that there is no room for celebrating the violent bigotry of the men of the Confederacy in the hallowed halls of the United States Capitol or in places of honor across the country.”Pelosi’s sent her letter around the same time NASCAR announced that it is banning Confederate flags from be displayed at its race tracks. There are also a number of Confederate statues that are in the process of being removed throughout the US in response to the unrest following the death of George Floyd two weeks ago. 1600