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Max Booth is from Redondo Beach and was excited to go to Maine for a summer camp for the second year. This year, that didn’t happen because of coronavirus, leaving Max at home. Then, his grandparents stepped in to save the day.Tim and Joy Booth live in Pacific Beach and said right around when Max found out he would be staying home for the summer, beaches and public places in their area started opening up, so they took advantage and planned a substitute summer camp for the 10-year-old.“It gave us real happiness to figure out how to make something that was at least a little bit similar to what he might have had,” said Joy.The trio spent the last week exploring the San Diego area, completing a long list of activities like cutting wood and barbecuing at a park, going to the beach, playing at a water park, practicing archery, hiking and observing nature, completing a junior park ranger program at the Cabrillo Monument and more. They even took the time to give back to the community, spending a day shoveling sand off of steps in Pacific Beach. They said a police officer and surfer stopped to thank them, the surfer adding that he had slipped on those steps because of the built-up sand.“We swept the stairs because we wanted to help people not get any injuries from slipping on the sand,” said Max.The week may have been different than a typical summer camp, but all three said they had the best time."I would just like to say thank you for being my parents and thank you for doing all this stuff for me," said Max."You’re welcome, Max. We love you," responded Tim and Joy. 1591

Mandy Lamay wants to go from renter to buyer, looking to close on her first property during the COVID-19 crisis.“I started right as the pandemic was hitting,” she said of her home search. “That was kind of my driving factor for buying a house.”Purchasing a property during a pandemic, however, has proven to be somewhat problematic for buyers like Lamay.“You have to be viewing the house day one it pops on the market,” she said. “If you’re actually interested, you have to put in an offer immediately.”This kind of competition has created all kinds of chaos across the country.“We are seeing this pent-up demand,” said Dr. Jessica Lautz, vice president of demographics and behavioral insights for the National Association of Realtors. “We’ve actually seen in every region on a national scale that home sales actually did increase.”Lautz says after two months of drastic decline during the coronavirus shutdown, pending home sales mounted a record rebound in May.“The month-over-month increase in pending home sales is the largest that we’ve recorded,” she said.That’s more than a 44% increase after seeing home sales drop to their lowest levels in nine-and-a-half years.“Buyers are rethinking their living situations,” Lautz said. “So, the demand is really hot and that’s going to drive up prices.”Also impacting prices are slow building, low inventory and low interest rates.Combine those factors with more Americans looking to move from big cities to smaller towns and Lautz believes America’s real estate market will be impacted even more.“People are reevaluating and saying, ‘I don’t want to live in a dense area, crowded city center, crowded blocks,’” she said. “Elevator living is just not the right thing for people today.”For Lamay, she’s locked in a 3.125% interest rate and says she may overpay for her first property, if it gives her a peace of mind.“And then hopefully I’ll have a big new yard for my dog and myself,” she said. 1948

LOUDONVILLE, N.Y. — A new national poll from The New York Times and Siena College shows that Democratic presidential nominee Joe Biden has a nine-point lead over President Donald Trump.According to the poll that was released Tuesday morning, Biden leads Trump 50% to 41% among likely voters. That's a slight increase from a month ago when Biden led Trump 49% to 41% among likely voters."When we look at the presidential race nationally — not battleground states and the Electoral College — it is clear that despite the first presidential debate, a presidential coronavirus diagnosis and hospitalization and many other events, little has changed in the dynamics of the race, Dr. Don Levy, the director of Siena College's Research Institute. "Biden has a nine-point lead, right at 50%, up from eight points last month. He continues to have a positive favorability rating, as Trump's continues to be negative."While comfortably ahead in national polls, the 2020 presidential race will be decided by a series of key battleground states. Trump won the 2016 election despite losing the popular vote to Hillary Clinton 46% to 48%.According to the poll, nearly one-third of voters have already cast their ballots. The poll found that 38% of Democrats have already voted, while 34% of independents cast their ballots, adding that only 20% of Republicans voted early."Nearly one-third of those likely to vote in the presidential election have already voted. Democrats and independents are much more likely than Republicans to have already voted at this point. Among the remainder of likely voters, half plan to vote in person on election day, one-quarter plan to vote in person before election day and one-quarter plan to vote by mail," Levy said."Among the 31 percent who have already voted, they support Biden by a huge 67-26 percent margin," Levy said. "The likely voters who have yet to vote, 68 percent, support Trump 48-43%."You can review the poll's findings here.This story was originally published by Paul Ross on WKBW in Buffalo, New York. 2047

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

Michelle Rounds, the former wife of actress and comedienne Rosie O'Donnell, has died at age 46, multiple outlets report.TMZ reports that Rounds committed suicide in her home on Monday. "I am saddened to hear about this terrible tragedy. Mental illness is a very serious issue affecting many families. My thoughts and prayers go out to Michelle's family, her wife and their child," O'Donnell said in a statement to TMZ.Rounds and O'Donnell began dating in 2011 and were married in 2012. O'Donnell filed for divorce in 2015 citing an irretrievably broken relationship.If you or someone you know is contemplating suicide, call the National Suicide Prevention Hotline at 1-800-273-8255 709