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SAN DIEGO (KGTV) -- A new study by Zillow shows that homebuyers with lower credit scored pay more for the same homes than buyers with excellent credit scores.According to Zillow, borrowers with excellent credit scores could get a mortgage with a 4.5 percent annual percentage rate.Borrowers with a fair credit score could get a 5.1 percent rate. Over the lifetime of a 30-year mortgage, that means a buyer with a fair credit score may end up paying an additional ,000 over the lifetime of the loan.In San Diego, where the median home value in March of 2018 was 5,300, Zillow estimates that homebuyers with fair credit will pay ,000 for the same home.The difference is only amplified in more expensive markets, Zillow says. In addition, the penalty for lower credit scores tends to be higher."When you buy a home, your financial history determines your financial future," said Zillow senior economist Aaron Terrazas. "Homebuyers with weaker credit end up paying substantially higher costs over the lifetime of a home loan. Of course, homeowners do have the option to refinance their loan if their credit improves, but as mortgage rates rise this may be a less attractive option."Zillow says that even if homeowners don’t pay the full 30-year term on a loan, the annual cost of a lower credit score can still add up to 0 a year. 1346

SAN DIEGO (KGTV) - A jury deadlocked Monday in the second trial of a former Navy commander accused of trying to rape a military colleague.The alleged victim said John Michael Neuhart II sexually assaulted her after they spent time drinking and hanging out with colleagues downtown in 2016.The woman said Neuhart took off her pants and underwear and was physically violent inside her Valencia Park home.RELATED: Mistrial declared in trial of former Navy commanderIn a cell phone video recorded by the defendant, the woman can be heard telling Neuhart to "stop" as he tries to get her to open the door about 3 a.m."I've wanted you for a while," Neuhart tells her. When she tells him "no" and to stop, Neuhart says, "Is that your safe word? Is no your safe word?"RELATED: Former Navy commander points to role playing, not rapeIn his first trial last December, jurors voted 11-1 to convict Neuhart of assault with intent to commit rape during a burglary and attempted forcible rape.The jury said Monday it was at an impasse on three counts. 1049

SAN DIEGO (KGTV) - A possible theft ring may be 'fishing' for checks at local post offices.Kevin, who owns a small business, mailed out several checks to vendors at the post office in Poway on a Friday night. On the next Tuesday morning last month, he got a call from his bank, Wells Fargo. A woman had tried to cash a fake check at a bank in Los Angeles, a typed check for nearly ,500 written out to a woman's name from Kevin's business. The bank rejected it. The bank representative then asked him about two other checks that had just been deposited at other branches. The two fake checks - written out to a different woman for some 0 each - had been deposited for cash in the Los Angeles area."There's definitely anxiety. You don't know how much money has been compromised," said Kevin.Kevin is not alone. In April, 10news featured the story of Barbara Reynolds and her state tax check, stolen and altered after she dropped it off at post office in Mira Mesa. Her check was likely 'fished' out by thieves using a rodent glue trap, before being washed. A chemical solution dissolves away the ink, allowing a thief to fill in the blanks.Another theft victim told 10news the Postal Inspection Service supervisor described to him a possible theft ring that has hit post offices in Encinitas, Poway and Mira Mesa in recent months. 10news has also tracked down reports of similar thefts in Sorrento Valley and Rancho Bernardo."It's frustrating. Never crossed my mind that something dropped off at post office could be compromised," said Kevin. Kevin's bank did cover the loss of the fake checks. 10news reached to the Postal Inspection Service but haven't heard back.Experts say use the slots inside the post office and if you do use an outside collection box, drop off your mail before the final collection time. 1823

SAN DIEGO (KGTV) - A San Diegan who was killed in the mass shooting at the Borderline Bar was honored Thursday on the anniversary of the attack, both in Coronado and Thousand Oaks.Justin Meek's family attended a large public dedication ceremony for the Healing Garden in Thousand Oaks, a park and permanent memorial site with 12 stone slabs representing the victims."It's not that we are moving on, but that we are moving forward," Meek's father Roger said in an interview.RELATED: Coronado native among victims of the Thousand Oaks bar shootingMeek, a promoter and occasional security guard at the bar, broke out windows so others could escape when gunfire erupted last November, according to family members. Witnesses said Meek had his hands outstretched, trying to block the gunman when he was shot."All Justin ever wanted to do was serve and protect, and that's what he did that night," said his mother Laura Lynn Meek.RELATED: Family remembers local Borderline shooting victimMeek had plans to join the Coast Guard, and he worked as a lifeguard in Coronado. On Thursday, artist Bill Pavlacka built a sand sculpture in Meek's honor outside the main lifeguard tower."Sometimes people just don't take a moment to sit back and reflect," he said. 1254

SAN DIEGO (KGTV) - A new report released by the California Department of Forestry and Fire Protection states wildfire acreage burned in 2019 is down 96% compared to 2018.Stating from January to August in 2018, 621,784 acres burned. In 2019, only 24,579 acres scorched during the same time period.On top of this, the U.S. Drought Monitor released a report Thursday showing most of California is out of the drought. San Diego is the only county fully highlighted in yellow, indicating it is 'Abnormally Dry'.A very stark contrast to 2018, where most of the map is covered in dark shades of drought. In August of 2018 San Diego was labeled in 'Severe Drought'.While the winter rain cured California's drought, it brought a new problem to firefighters. Tall weeds, and new growth act as kindling, launching fires, according to Cal Fire Captain Thomas Shoots.So we're not out of the woods.Historically San Diego has had some of it's biggest fires in the Fall and Winter, whipped up by Santa Ana winds. "Our fuels are going to continue to dry out an we're not going to be getting rain for quite a while longer so even though we've had the marine layer sticking in and that's really helped us, in the long run those heavy rains that we need, we're probably not going to see for several months," he said. "Late October is usually when we see the Santa Ana winds. We are expecting our normal winds this year. We still have an above average fire potential for San Diego for October and November."Shoots said neighbors must stay vigilant, and create defensible space around their home."I think it's important for everyone to remember most fires are human caused," he said. 1670

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