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Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063

Lowe's announced Monday, November 5 that they will be closing 51 stores in the United States and Canada.The home improvement store said in a press release the locations are underperforming.All 51 North American stores will be closed by Feb. 1, 2019.Here are all the locations that will be closing, according to the company's press release.U.S.Alabama 358

MIAMI, Florida — (Update, 11:40 a.m. Eastern) Two vehicles and three bodies inside them were removed Saturday from the site of Thursday's pedestrian bridge collapse near Florida International University, Miami-Dade police Director Juan Perez said.Two more vehicles remain in the rubble, and crews hope to extract those vehicles in the next 12 hours, he said."It's going to be a long process," Perez said, "because (of) the ... weight and size of the structure that is laying on top of these vehicles." 509

Mental health has become a priority for many people across the country during the pandemic. For college students, it's no different, and many are hoping employers put mental health as a priority when they graduate."As they stress about whether or not they’re going to find internships, whether or not they're going to find employment after they graduate, as they think about their own families, as they think about their health or the health of their loved ones. Everything is just compounding and we wanted to get a better sense of whether students were actively thinking about mental health," said Christine Cruzvergara, the VP of Higher Education and Student Success at Handshake, which connects college students with employers.Cruzvergara says realizing these struggles, Handshake surveyed more than 1,000 college students about their mental health."Over 62% of our students want employers to think about mental health benefits as actually part of the compensation plan and I think that’s a huge shift. We didn’t see students talking about mental health as a benefit previous to COVID," said Cruzvergara.Roughly half of students surveyed said they were concerned about their own mental health with so many people working remotely, adding they were concerned about feeling isolated and about their work-life balance."We've shared this with our employers as we continue conversations with them about how they're going to adapt their training, their onboarding, their compensation," said Cruzvergara.More businesses are also thinking about mental health services for their employees, according to Gympass, a service used by employers to offer benefits like fitness and nutrition programs. Gympass surveyed its own members and found 69% have experienced burnout during the pandemic."We know 95% of people are just aware that wellness in general is more important to their productivity and as employers have become more aware of that we’re seeing the shift to mental wellness awareness, in particular, and we’ve been able to embrace this from a live classes perspective moving into digitals where yoga, people can take their meditation classes online," said Gympass CEO Marshall Porter. Porter says while most employees and employers realize mental wellness is important when it comes to productivity at work, just 34% of employers are actually offering those types of benefits."And so how do we think about and talk about meeting the customer, the employee, where they are. Everybody’s aware, everybody wants that benefit. Too few employers are still thinking about that and so opening that conversation of how are you really doing, what can we do to provide that. Maybe it isn’t that traditional 401k or new stipend to work from home and make your home office more comfortable," said Porter.Realizing the major impact companies can have on their own employees' mental health. 2884

Millions of Californians could face energy blackouts this week amid a historic heatwave — a situation described by energy officials as a "perfect storm."According to The Weather Channel, parts of California and the southwestern U.S. are in the midst of a heatwave that is pushing temperatures to, in some cases, 15 degrees above average. According to Weather Channel forecasts, the heatwave could stick around through the end of the workweek.The heatwave may have also produced one of the highest temperatures ever recorded on the planet Earth — a temperature reading from Death Valley on Sunday was recorded at 130 degrees, though it still needs to be verified by meteorologists.The high temperatures caused the California Independent System Operator (CAISO) to issue a State 3 emergency last Friday and Saturday — the first time the agency had done so in about 20 years.The decision led to some blackouts throughout the state over the weekend, prompting an angry response from Gov. Gavin Newsome."These blackouts, which occurred without warning or enough time for preparation, are unacceptable and unbefitting of the nation's largest and most innovative state," Newsom wrote in a letter to CAISO and other California energy agencies.The agency has warned that if the heatwave persists, it may need to continue rotating blackouts to millions of homes and businesses throughout the week to certain sections of the power grid to prevent overtaxing the system.CAISO has issued a Flex Alert throughout the state that is currently in effect until Wednesday. The alert calls on Californians to take certain steps to limit energy usage during peak hours of 3 p.m. to 10 p.m.Among the recommendations in the Flex Alert are:Setting air conditioning thermostats to 78 degrees, if health permitsDeferring the use of major appliancesTurning off unnecessary lightsUnplugging unused electrical devicesClosing blinds and drapesUsing fans when possibleLimiting time the refrigerator door is open.In addition to threatening the power grid, California's heatwave has also sparked dozens of wildifires across the state. As of about noon on Tuesday, the California Department of Forestry and Fire Protection was battling 26 active wildfires, which have burned more than 200,000 acres of forest. 2283