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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 Donald Trump's former campaign chairman Paul Manafort was found guilty on eight counts of financial crimes. Jurors were unable to reach a verdict on 10 charges, and Judge T.S. Ellis declared a mistrial on those counts.Click here for the indictment.Manafort was found guilty on:Tax fraud: Subscribing to false United States individual income tax returns in 2010.Maximum penalty: 3 yearsTax fraud: Subscribing to false United States individual income tax returns in 2011.Maximum penalty: 3 yearsTax fraud: Subscribing to false United States individual income tax returns in 2012.Maximum penalty: 3 yearsTax fraud: Subscribing to false United States individual income tax returns in 2013.Maximum penalty: 3 yearsTax fraud: Subscribing to false United States individual income tax returns in 2014.Maximum penalty: 3 yearsHidden foreign bank accounts: Failure to file reports of foreign bank and financial accounts in 2012. 936

Relatives of Richard Russell say they are "stunned and heartbroken" after the airline worker stole a passenger plane Friday from the Seattle-Tacoma International Airport and was killed when he crashed 25 miles away."This is a complete shock to us," the family said in a statement Saturday night. "We are devastated by these events, and Jesus is truly the only one holding this family together right now."The statement said Russell, 29, was "a faithful husband, a loving son and a good friend."Referring to audio recordings of Russell talking to air traffic control during his hour-long flight, the statement said his "intent was not to harm anyone. He was right in saying that there are so many people who have loved him."Russell, a Horizon Air ground service agent for three and a half years, was the only person aboard the plane, the Pierce County Sheriff's Department said. The job of a ground service agent includes directing aircraft for takeoff and gate approach, handling baggage and tidying and de-icing planes, authorities said.The incident, which the FBI's Seattle office did not consider terrorism, raises questions about airport security. Investigators headed Saturday to the crash site to recover the plane's data recorders and Russell's remains as part of a criminal probe, authorities said. 1313

President Trump took a shot at his former lawyer and self-proclaimed "fixer" Michael Cohen this morning, hours after Cohen pleaded guilty to eight felony charges — including a campaign finance charge he says came at the President's request."If anyone is looking for a good lawyer, I would strongly suggest that you don’t retain the services of Michael Cohen!" Trump tweeted.RELATED:?Michael Cohen pleads guilty, implicates TrumpTrump also falsely claimed in a later tweet that Cohen's campaign finance violations were "not a crime" — despite the fact that Cohen had agreed to plead guilty to the charges. The eight charges to which Cohen agreed to plead guilty included campaign finance violation charges relating to hush money payments to two women who had affairs with Trump.Wednesday's tweets were the first times Trump had directly addressed Cohen by name since the attorney pleaded guilty to eight charges on Tuesday afternoon. He chose not to address the issue at a campaign rally in West Virginia last night.   1045

President Donald Trump's former lawyer, Michael Cohen, is under federal investigation for tax fraud and possibly misrepresenting his finances, people familiar with the investigation told The Wall Street Journal.The reported investigation adds to the wide-ranging federal investigation Cohen is already facing in relation to his business affairs and work with Trump. According to the Journal, authorities are investigating whether Cohen underreported his income in federal tax returns, in which he reaped hundreds of thousands of dollars over the last five years.People familiar with the matter told the Journal that authorities are also investigating whether any bank employees were improperly permitted to offer Cohen loans when he didn't provide adequate documentation. Investigators are reportedly examining Cohen's relationship with Sterling National Bank, which financed Cohen's taxi medallion business, and looking closely at whether Cohen lied or misrepresented information on loan applications.Investigators are also looking into whether Cohen inflated his income "in loan applications and refinancing efforts," people familiar with the matter told the Journal.Cohen's former accountant, Jeffrey Getzel, has been subpoenaed as part of the investigation, the paper reports.Cohen has not been charged with a crime and the Journal said he previously denied wrongdoing. Lanny Davis, Cohen's attorney, declined to comment to the paper "out of respect for the ongoing investigation."CNN has not independently confirmed the Journal's report.Cohen is facing a wide-ranging federal investigation into his finances -- including potential bank fraud, campaign finance violations, and hush payments to women saying they had affairs with Trump, which the President has denied. Authorities raided Cohen's home, office and hotel room in April as part of the investigation.The former Trump "fixer" once said he would take a bullet for his boss, but in recent months, he's suggested that he's willing to cooperate with federal authorities.The-CNN-Wire 2050