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The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The National Weather Service is projecting Southern Arizona's fire season to be more active than normal."There's leftover dry fuels from last year, and there's newly formed fine fuels," Warning Coordination Meteorologist Ken Drozd said.Above average daytime high temperatures, combined with storm systems bringing wind but no rain, and very dry conditions, are some of the reasons why the NWS projects May and June to have the more fire activity than normal.Due to a wet February, there is now more dry fuel in the region, according to Drozd. Sometimes, significant rain events leading into fire season can delay or shorten it, but that wasn't the case this year."Those new grasses that greened up from that precipitation event have now dried out again, due to the warm temperatures we've experienced lately," Drozd said."The hotter you get, the more you're going to dry things out. It just keeps things dried out unless you get some intermediate rain that'll come in, and again, there's none in the forecast right now."Last year, fires ripped through Southern Arizona from April to July, blackening landscapes and destroying homes in their paths. People from communities all through the region were forced to evacuate, sometimes on multiple occasions.The American Red Cross is urging people prepare ahead of time. Some of their tips include: 1355

The photo is shocking. A young mother passed out in the front seat of her car, a syringe clutched in her fist.What you can't see in the photo is the back seat, where her infant son sat crying.That was a year ago this month -- but for Erika Hurt, it might as well be a lifetime.The 26-year-old Indiana woman says she has been clean since that day, doting on her son and working a full-time job.And the photo, which at first was a source of anger and humiliation, illustrates the slippery line between sobriety and despair."I was sober. I stopped going to meetings. I forgot about how bad the addiction got," Hunt told CNN about that period in her life last year. "This photo helped me look back. It's a constant reminder that sobriety needs to be worked at."The day the photo was shotThe day the photograph was taken, Hurt had parked in the lot of a dollar store in Hope, Indiana, to shoot up heroin. She had gotten out of a month-long stint in rehab just two weeks earlier. Her 10-month-old son was in the back seat.She rationalized his presence the same way a lot of addicts do while using in front their kids, she said: They're asleep. Or they're too young to realize what's going on.The last thing Hurt remembers from that day is pulling into the parking lot. She later learned a customer found her slumped over in the car and called 911.It took officers two doses of Narcan, the drug used to reverse an overdose in an emergency situation, to revive her."Had this woman not passed out from this and attempted to drive right afterward, she could have (driven) down the road, passed out two minutes later and hit a car with a family in it, killed every one of them," Hope Town Marshal Matthew Tallent told CNN at the time. "That's the thing that's so shocking to me to think about."What happened nextAfter a brief hospital stay came jail. Hunt had violated her probation from a previous charge in 2014.While she was waiting for her sentencing date, a local reporter requested an interview. Then another asked, and another.She didn't think much of it at the time. She found out why when she was watching the evening news.A police officer had snapped a photo of her passed out in the car. It soon went viral."I felt very humiliated, I felt very angry," she said. "You know, it was hard for me to truly believe that it was me."Hurt's story fits into a grim pattern, as research shows heroin use is on the rise in the US. The most recent United Nations' World Drug Report found that 914,000 people aged 12 years or older reported using heroin in 2014 -- a 145% increase since 2007.Where she is nowHunt has been fighting addiction all her life, she says."I had been an addict since I was 15 years old," she said. "It wasn't until I was 21 that I began seeking help -- and I was failing at it. "The overdose, captured in the photo, led to Hunt getting clean.She was sentenced to six months of intense rehab in a locked-down facility -- one that focused on the underlying issues of addiction and how to cope with them.She's part of WRAP (Women Recovering with a Purpose), a program that requires continued meetings with a therapist, a sobriety coach and multiple "self care" classes such as Narcotics Anonymous every week.Now, she works more than 40 hours a week at a local factory. She also cares for her son, but her mom has guardianship.At this point, her focus is on staying the course."If you are sober and healthy," she said, "then you can take care of everybody else." 3477

The NFL and the Players Association announced Tuesday there were eight new confirmed positive tests among players and 11 new confirmed positives among other personnel in the latest round of testing for COVID-19. The test results are from October 11-17.The report does not identify which teams the players are on, or which roles the other personnel serve. They said 15,167 tests were administered last week to 2,459 players, and 23,713 tests were given to 5,340 personnel.During the previous week, October 4-10, there were also eight players who had new confirmed positive tests and seven other personnel.The league says they have administered more than 450,000 tests for the coronavirus between August 1 and October 17. During that time, a total of 47 players and 71 other personnel have tested positive for COVID-19. According to the league, when someone tests positive, "they are immediately isolated, not permitted access (to) club facilities, or have direct contact with players or personnel." 1005

The police department in Gainesville, Florida issued an odd edict to its community this week: Please don't call 911 asking for "hot cops" to come to your house.The warning was part of an update to a Facebook photo that went viral last weekend. The innocuous image showed three Gainesville officers — identified only as Nordman, Hamill and Rengering — posing for a selfie before starting their shifts.The photo went viral, racking up more than 500,000 reactions and 178,000 comments, many of which were about how attractive the officers are. 558

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