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MADISON, Wis. – Donald Trump’s campaign manager Bill Stepien says the president plans to “immediately” request a recount in the battleground state of Wisconsin, which has been called for Joe Biden.With 95% reporting, the Associated Press said Wednesday afternoon that it projects the former vice president will pick up the state’s 10 electoral votes.The AP says it called the state for Biden after election officials in the state said all outstanding ballots had been counted, except for a few hundred in one township and they expected only a small number of provisional ballots.In Wisconsin, if a race is within 1 percentage point, the trailing candidate can force a recount. Statewide recounts in Wisconsin have historically changed the vote tally by only a few hundred votes. Biden leads by .624 percentage points out of nearly 3.3 million ballots counted.Stepien said in a statement Wednesday: “The President is well within the threshold to request a recount and we will immediately do so.”Read Stepien’s full statement obtained by WTMJ: 1049

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

MANAGUA, Nicaragua (AP) — Hurricane Eta is quickly gaining force as it heads for Central America, threatening massive flooding and landslides across a vulnerable region. The National Hurricane Center says the storm has 150 mph sustained winds, as of Monday evening, and is gaining speed as it approaches land. The hurricane was just 6 mph shy of category 5 strength. Eta is expected to hit along the Nicaragua-Honduras border, with landfall coming sometime on Tuesday. The rainfall is expected to be heavy, it could be three feet in some places. The storm surge is predicted to get as high as 12-18 feet above normal tide. "Through Friday evening, heavy rainfall from Eta will likely lead to catastrophic, life-threatening flash flooding and river flooding across portions of Central America, along with landslides in areas of higher terrain. Flash and river flooding is also possible across Jamaica, southeast Mexico, El Salvador, southern Haiti and the Cayman Islands," according to the advisory from the NHC. 1021

LOUISVILLE, Ky. (WAVE) — A decision on possible charges in the Breonna Taylor case could be expected soon.Multiple sources tell WAVE 3 News the case is being presented to a grand jury this week at an undisclosed location. One of the sources said an announcement is not expected from Attorney General Daniel Cameron's office until next week, near the six-month mark of Taylor's death.Taylor, a 26-year-old emergency medical worker, was killed by Louisville police serving a "no-knock" narcotics search warrant at her apartment. They found no drugs in her home. An officer was shot during the raid by Taylor's boyfriend, who has said he thought he was defending against a home invasion. The boyfriend was initially charged, but those charges were later dropped.The Louisville Metro Police Department fired one of the officers involved, Brett Hankison, in June, saying he violated procedures by showing "extreme indifference to the value of human life." The other officers involved in the case — Jon Mattingly and Myles Cosgrove — have been placed on administrative reassignment.After nearly six months of investigations, the defense legal team released more than 1,200, graphic, evidence photos from inside and outside Breonna Taylor's Louisville apartment. They show evidence officers may have had body cameras at the scene. The grand jury will decide whether any of the officers involved should face criminal charges.This story was originally reported on LEX18.com. 1474

LOUISVILLE, Ky. (AP) — Louisville police officers who fatally shot Breonna Taylor while serving a warrant were told she should be home alone. Officers were told the main target of a large-scale narcotics investigation was elsewhere.Taylor was shot eight times after officers used a battering ram to knock down her door on March 13. Sgt. Johnathan Mattingly spoke to internal investigators about two weeks after the raid. News outlets obtained the interview with Mattingly on Thursday. Mattingly says officers were told Taylor's apartment was a "soft target" and Taylor "should be there alone." Taylor's boyfriend was actually there and shot Mattingly in the leg. 670