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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 man was arrested at the border then held for nearly three days in a potentially dangerous medical state, according to court documents. In March 2019, Jesus Centeno-Paredes was arrested trying to enter the United States at the Otay Mesa Port of Entry.Centeno was an undocumented immigrant and previously deported from the United States, according to charging documents. His exact charge was attempted entry after deportation.Centeno was taken to the Metropolitan Correction Center San Diego, a federal detention center, but was rejected because of his chronic use of heroin and an abscess on his leg, according to court documents.According to court documents, officials at MCC directed that Centeno be taken to Alvarado Parkway Institute, an inpatient hospital in San Diego County, where he would receive medically monitored detox care. Instead, he was taken to the hospital to treat his leg and then back to the Port of Entry, where he was held for nearly three days and denied medically necessary care to detox from heroin safely, records state.Centeno's attorney argued his client's case is not isolated, and the outrageousness of the government's misconduct is intensified by its repeated denial of adequate detox care while holding detainees at the Port of Entry."They did the minimum, like not even what they had to," Centeno told 10News."It was cold, it was small," he said of his conditions at the facility. "They gave you a blanket, not even a blanket -- foil, a piece of thin foil."10News obtained hours of surveillance video of Centeno in his holding cell.In the video, you can see Centeno curled up under a makeshift blanket. He spent time resting on either a concrete bench or what he described as a thin mat on the ground. According to court documents, "Mr. Centeno was kept in a small cell where the lights were on the entire time. Mr. Centeno was not given a change of clothes during the nearly three days while he was at the Port of Entry. The cell where Mr. Centeno was held did not have a bed, and Mr. Centeno was given a thin foil blanket and a torn yoga mat to lie on. There was no soap, no toothbrush, and no hygiene products."At one point, the camera shows Centeno trying to throw wet toilet paper at the ceiling in an attempt to cut off the air conditioning."That's where the ventilation was," he explained. "The air comes in cold, and I'm laying, and the air comes in like this."While Centeno looks calm in the video, he said he's going through major drug detox. Staying still was his coping mechanism.Pain specialist Dr. Clark Smith said it is dangerous not to check the blood pressure of someone going through withdrawal. "It would be medical malpractice," he said.Smith explained people going through heroin withdrawal generally experience elevated blood pressure, nausea, and muscle aches, among other symptoms."I've seen people who looked OK. They didn't have noticeable shaking, and their blood pressure was so high they were going to die either from a heart attack or stroke," he said."[Centeno] should have been given medially basic care for this type of treatment, and he wasn't, and that's scary," said Centeno's criminal attorney Ryan Stitt."People in Mr. Centeno's situation are not convicted of any crime. They are held for days without access to a telephone or communication with the outside world, and they are not given proper medical care. It's really a terrifying cocktail of abuse," he explained.Stitt called Centeno's treatment shocking and said the government knew he required medical care to detox from heroin safely.In court documents, Stitt wrote: "Mr. Centeno's case is one where the government knew he needed care and simply elected to lock him in a cell and not provide the care because the one treatment facility it contracts with was full. Perhaps if Mr. Centeno's case was the first case where the treatment center was full, the government's failure to have a backup plan or to take other corrective action would render the misconduct less serious. However, the record shows that this is not an isolated case and that the misconduct is widespread. Moreover, the government's record keeping in Mr. Centeno's case worsens the misconduct. The records state that Mr. Centeno received medication twice while at the Port of Entry, but the surveillance video from his cell fails to show that he received the medication at the proscribed times. The government also failed to keep medical records for his stay at the Port of Entry. This failure is striking given the fact that Mr. Centeno's lawyers were objecting in court to his deficient medical care while he was still at the Port of Entry."Centeno was eventually taken to Alvarado Parkway Institute when bed space became available and treated for withdrawal, according to court filings.When asked by Team10 Investigator Adam Racusin if he thought he was treated humanely, Centeno said: "I think they treat dogs better, in the kennels." The U.S. Attorney's Office dropped the charge against Centeno about an hour after 10News finished interviewing him. That U.S. Attorney's Office declined to comment on that decision.As of today, Centeno is back at the San Ysidro Port of Entry. He does plan to file for citizenship, and he is contesting his deportation on that basis. Government's ResponseA spokesperson for Customs and Border Protection told 10News, "CBP does not comment on matters that are currently under litigation."10News pointed out that the charge against Centeno was dropped but didn't hear back.In court filings, the Assistant U.S. Attorney assigned to the case addressed Centeno's allegations: "While defendant was at the POE, records show that CBP conducted wellness checks on defendant's cell virtually every 20 minutes for the entirety of his time there.CBP regularly offered or provided meals, including hot burritos (with a vegetarian option), cookies, snacks, turkey sandwiches, fruit juice, and other meals. The records would reflect if the defendant had refused or failed to receive any meals. He did not. Additionally, a physician assistant and an on-call physician were available if necessary. According to Supervisor Enforcement Officer in the Criminal Enforcement Unit at San Ysidro, Sarah Esparagoza, medical personnel, including physician assistants, are available at the San Ysidro Port of Entry for 16 to 20 hours a day." The government told the judge if someone in custody experiences any significant medical issue while at the Port of Entry, they would be referred to the on-duty physician assistant or taken to the emergency room at a local hospital.According to the court filing by the government, "The conduct at issue here does not rise to the level of cruel and unusual punishment necessary to violate defendant's Eight Amendment rights. As identified below, defendant fails to present any evidence that was in experiencing dangerous symptoms of withdrawal at the POE. What this court does know is that defendant was taken to the emergency room when needed; he was monitored through numerous wellness checks; had access to P.A.s 16 to 20 hours a day; had CBP Officers near—many of whom are also certified EMTs; and access to transportation to the emergency room (again) if needed."Other people going through withdrawalCenteno is not the only one making these allegations of mistreatment in a border holding cell.Documents obtained by Team 10 allege others have gone through detox at the San Ysidro Land Port of Entry.Team 10 obtained what's known as the "No Body Active List" or "Federal Defender No Body Report."According to court filings, "By 9:00 a.m. each day, the government shall provide a list to the duty Magistrate Judge and Federal Defender of all persons arrested before 6:00 a.m. that day, but who will not be arraigned that day. The government shall also provide the reasons for the delay and the location of the defendants. The government is therefore required to provide the No Body Active List by order of the Court."A No Body Active List from March of this year shows two additional people involuntarily detoxing from heroin were kept at the San Ysidro Port. Team 10 investigator Adam Racusin has also seen other No Body Active Lists from different dates showing other people marked as detoxing at the San Ysidro Port of Entry.Team 10 tried to get all No Body Active Lists from the start of this year, but so far, the United States Attorney's Office has not turned them over, and said they aren't public documents.Right now the government is facing two other civil lawsuits claiming it did not provide adequate medical care.Not enough resourcesIn each of the cases reviewed by 10News, detainees have been turned away from Alvarado Parkway Institute (API) because of a lack of beds.A spokesperson for API told 10News it provides behavioral health services to the general public in San Diego and the surrounding communities, including various government agencies."We have had a longstanding relationship with federal agencies in the local San Diego area and have provided inpatient psychiatric and detox services to their detainees for years. That work represents less than 10% of the patient population that we treat. The remainder of our patient population is from the San Diego and surrounding communities," the spokesperson said. API told 10News once a patient is admitted, they are monitored around the clock by registered nursing staff, and physicians are on-call 24-hours a day. API detoxification protocols include medication intervention where medicine would be administered based on what the patient is detoxing from, as well as to assist with comfort levels.According to the spokesperson, API is a 66-bed inpatient hospital. 10News asked API how it's possible they can run out of space and how often that happens."Due to the lack of inpatient psychiatric beds in San Diego County, we often operate near or at full capacity. Because of this, it is not uncommon for us to be forced to refer inquires to another facility or turn them away because we are full or we do not have an appropriate bed available. API treats male and female clients with various levels of acuity. Clients are assigned rooms based on a number of factors and space availability depends on the individual's age, sex, presenting problems, medical comorbidities, and status as a criminal or administrative detainee," the API spokesperson told 10News. 10408

SAN DIEGO (KGTV) -- A new report from the Auto Club ranks San Diego as the top travel destination for Southern Californians this Labor Day weekend.According to the report, Las Vegas, San Francisco, Grand Canyon and Santa Barbara also rank among top travel destinations for Southern Californians. The Auto Club is also warning San Diegans not to drink and drive. According to AAA, 31 people were injured in DUI-related crashes last year over Labor Day weekend.Statewide, eight people were killed in DUI crashes last year. “While alcohol-related crash fatalities have dropped in the last three years over this holiday, injuries have risen,” said Auto Club Traffic Safety Manager Anita Lorz Villagrana.“We want to remind everyone to make a plan before celebrating – use a rideshare service, stay at a hotel or someone’s home, or designate a sober driver. Your decision could save lives.” 902

SAN DIEGO (KGTV) - A powerful new public service campaign called "End Family Fire" launched Wednesday by the Brady Center for Gun Violence Prevention aims to promote awareness for gun safety in the home. The center says eight children are hurt or killed in a firearm accident every single day in the United States. Carol Landale with the Brady Center says the goal of the campaign is to show people that something can be done. According to the center, more than four and a half million children live in homes with loaded and unlocked guns, and three in four know where the guns in their home are stored.The term, “Family Fire” was developed specifically for this campaign and refers to a shooting involving an improperly stored or misused gun found in the home that results in death or injury.The Brady Center’s goal is to introduce “Family Fire” into the vocabulary of the American public, much like "Designate a Driver" and "Secondhand Smoke Kills" became powerful and effective slogans for their respective causes.  1071

SAN DIEGO (KGTV) - A pair of recent restaurant closures are highlighting some of the struggles owners are facing as the industry grapples with major shifts in the way it does business.Last month, Brooklyn Girl in Mission Hills and Urban Solace in North Park both closed their doors. Facebook posts thanked long-time customers but gave few answers as to why.Industry experts think it's a sign of bigger problems in the hospitality sector, as rising costs and changes in people's behavior are combining in a "perfect storm" of problems.RELATED: El Pollo Grill to open new location in Chula Vista"These are seasoned operators, people who have been in business for a long time. And for one reason or another they're just stumped," says Stephen Zolezzi, the President and CEO of the Food and Beverage Association of San Diego.His association tracks the total number of licenses given out in San Diego to food and beverage vendors. Zolezzi says over the last three years, there's been an increase of 300 licenses. While that may make it seem like the industry is growing, Zolezzi sees it differently."Previous years, we've seen increases of 1,000 or 2,000 licenses," he says.RELATED: Restaurant closing in Coronado highlights uncertain future for Orange AvenueZolezzi says the cost to operate a restaurant is becoming too expensive to manage. The prices of rent, insurance, and goods have all gone up in the past year. There are also higher labor costs because of minimum wage hikes and low unemployment creating favorable hiring conditions for employees.But cost isn't the only factor."Customer loyalty, today, is really at a low," says Zolezzi. His members say diners now would rather go to multiple places once than become regular, dependable customers at a few spots."You could be doing everything right," he says. "Great food, great service, great value; but the customers just move on because there's something else."RELATED: New east Chula Vista shopping center quickly taking shapeAnother factor is the rise of delivery apps like GrubHub, DoorDash and Postmates. Zolezzi says these apps can charge restaurants as much as 30% of the total bill, plus delivery fees, to carry their food. That cuts into already razor-thin margins and in some cases cause restaurants to lose money on each delivery order."If you don't have that factored into your business plan, it could create a negative," he says.Zolezzi says it's now up to the industry to adapt, as restaurant owners need to constantly reinvent their location, menu, and marketing to bring in more customers. 2568

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