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MEXICO CITY (AP) — Local media outlets are reporting that legendary Mexican crooner José José, known as the "Prince of Song," has died from pancreatic cancer. He was 71.Multiple outlets said Saturday the singer known for sad love songs had died at a hospital in South Florida.José José, whose real name is José Rómulo Sosa Ortiz, climbed to the top of the Latin charts in the 1970s slow ballads like "El Triste" or "The Sad Man," and "Almohada" or "Pillow." The power of his voice and ability to sing technically difficult tunes at a high register made him a treasured cultural icon in Latin America.His music also became popular in non-speaking countries such as Japan and Russia. 690

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

MARSHALL, Ark. - The chief of police for Marshall, Arkansas, has resigned from his position after posting online threats of violence directed at Democrats.Marshall Mayor Kevin Elliott announced in a statement on Saturday via Facebook that Police Chief Lang Holland had resigned effective immediately."The City of Marshall strongly condemns the actions of Mr. Holland in his posts to social media," Elliott said in the statement. "His remarks in no way reflect City Government or the people of Marshall, Arkansas. In response to Mr. Holland's remarks, I, Kevin Elliott, as Mayor of the City of Marshall, consulted with the attorney for legal advice concerning these social media posts. Upon my meeting with Mr. Holland, he resigned as Police Chief for the city of Marshall effective immediately. Mr. Holland is no longer employed with the city." 852

Mack Beggs defended his Texas wrestling state title on Saturday by winning the girls Class 6A 110-pound class, to the chagrin of some of those in attendance in Cypress, Texas, the Dallas Morning News reported. Beggs, who was born female, is a transgender male who is only allowed to wrestle against girls. Texas' University Interscholastic League requires that athletes compete in the gender listed on their birth certificate. Beggs told the Dallas Morning News that he has not gone through any gender reassignment surgeries. But that did not stop those in the crowd from heckling Beggs. "They're saying 'steroids.' They're saying, 'Oh, they're beating up on girls,'" he told the Morning News. "It just comes down to technique and who has the most heart. I put too much blood, sweat and tears, I put too much B.S. into this journey that I wanted to come out on top."If Beggs had his choice, he would be competing against boys. "What can I tell people? I can tell the state legislature to change the policy, but I can't tell them to change it right now," Beggs told reporters. "All I can hope for is that they come to their [senses] and realize this is stupid and we should change the policies to conform to other people in my position."Among those who believe it was not a fair bout was Beggs' semifinal opponent Kayla Fitts, who went 52-0 as a senior for Cypress Ranch High School. "The strength definitely was the difference. I didn't anticipate how strong he was," Fitts told the Morning News."I understand if you want to transition your gender," she added. "I understand that totally. But there's a time and a place."Part of the issue has been that Beggs is taking a low dose of testosterone. Although testosterone injections are prohibited for athletes, an exception is made for Beggs due to the state's "safe harbor" provision, which allows for injections when used for valid medical purposes. Beggs said that he plans on wrestling against males in college. To read more of the Dallas Morning News' report, click here.  2153

MEXICO CITY (AP) - A magnitude 5.9 earthquake shook the southern Mexican state of Oaxaca on Monday, days after a more powerful temblor hit the same area. 161