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Mortgage rates have been low for months, but currently, about 19 million homeowners who are eligible to refinance haven't cashed in.According to data analytics firm Black Knight, these homeowners have a credit score of 720 or more and at least 20% equity in their homes. They could save nearly 0 a month on average.A new survey by YouGov for Forbes Advisor found that 34% of homeowners say they’re not sure refinancing is worth it.A mortgage analyst at Forbes Advisor says one reason people may be hesitant is they don't want to deal with banks that are overloaded with applications right now.“Borrowers really need to advocate for themselves, so make sure that you call your lender if you haven't heard from them in over a week let’s say or just really stay on top of it and at the end of the day. If you're not getting the service that you want, there are many other lenders that would be happy to get your business,” said Natalie Campisi, Mortgage Analyst at Forbes Advisor.Another reason you should act now if you've been considering refinancing, is there's a new fee. It starts on December 1, but your loan may not be processed before then if you don't start the process now.“What you want to do is talk to your lender,” said Campisi. “If you decide to apply for a loan, ask them, say you know will you roll this fee into the cost of my loan, which some lenders are doing, and find out some lenders might be able to process your application before December 1.”Campisi says you can benefit the most from refinancing if you're not planning to move within the next few years. Also, if you have more than 10 years left on your mortgage.You also need to consider closing costs that can average around ,000. Most experts recommend you need to be saving at least 0 a month to make those costs worth it. 1816

Nearly 1.5 million Ford Focus vehicles in North America are being recalled because of a fuel system problem.The engines can stall without warning, the recall says. Cars included in the recall are 2012 to 2018 model years with 2-liter four-cylinder engines.The recall states a canister purge valve can malfunction. There have been no accidents, injuries or fires because of this issue, the company said.Read the full news release regarding this recall here. 464

National lab companies are offering antibody tests as part of their return to work offerings, but doctors are warning these tests shouldn't be used yet to determine whether it's safe for you to be back in an office.“There is not a perfect antibody test out there right now to determine an individual’s immunity to COVID-19,” said Dr. Susan Bailey, President of the American Medical Association. “The tests are getting better. We've come a long way in the last few months, but we're certainly not ready to do anything like give someone an immunity certificate or anything like that.Quest Diagnostics and LabCorp are two companies offering the testing to employers.LabCorp does say that antibody testing should not be used as the sole basis to diagnose or exclude COVID-19 infection.Quest Diagnostics also emphasizes it is unknown how long antibodies persist following infection, and if the presence of antibodies gives you immunity.That's something the American Medical Association agrees with.“Everything needs to be taken in context. Have you been exposed to COVID-19? How careful have you been? Have you been in any settings where you might have been inadvertently exposed?” asked Bailey. “The lab values themselves may not mean a whole lot. We still have a lot to learn when it comes to what defines immunity to COVID-19.”Bailey also points to early studies on antibodies that indicate they may not last very long. She says she's not sure antibody testing is ever going to be the way to go to determine when someone is safe to go back to work.If you do get an antibody test, it's important to go over it with your doctor so they can help you understand the significance of it.The American Medical Association says antibody tests can be helpful to try to see how many people in an area have been exposed to COVID-19, and also for determining if someone who had COVID-19 is eligible to donate plasma. 1909

NATIONAL CITY (KGTV/CNS) - A fire forced more than a dozen residents of an independent living facility in the South Bay to evacuate their home Tuesday.The fire broke out before 9 a.m. on Haring Ave., National City firefighters said. The evacuees lived in the main home and two attached granny flats. 307

Motorcycle land speed record holder Valerie Thompson survived a 343-mph crash while attempting to break the overall two-wheel record in Australia on Monday, according to Fox News.According to the report, the 49-year-old Thompson was going for the record at the Lake Gairdner World Speed Trials "when something went wrong during her run and the bike fell onto its side, digging a deep trench into the salt flats and spreading wreckage over a mile."Thompson's "Bub 7" motorcycle reportedly lifted off the ground, with its parachutes eventually allowing it to come to a complete stop. Thompson told Fox News that she's "doing OK" and is headed back to Scottsdale to determine what went wrong.Thompson earned the title of world's fastest female motorcycle racer when she topped out at 304.263 mph at the Bonneville Motorcycle Speed Trials in 2016. Known as "America's Queen of Speed," Thompson has won a number of racing awards and was featured in the 2013 documentary "Why We Ride." She is a vehicle presenter at Barrett-Jackson Auction Company and Metro Auto Auctions in Scottsdale, Arizona.  1148