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Average rates on long-term mortgages continue to fall to new record lows, as the key 30-year loan dropped below 3% for the first time in 50 years. The stagnant economic recovery in the face of the coronavirus pandemic is keeping inflation tamped down despite pent-up homebuying demand. Mortgage buyer Freddie Mac says the average rate on the 30-year home loan fell this week to 2.98% from 3.03% last week. These are the lowest levels since Freddie Mac began tracking averages in 1971. The rate averaged 3.81% a year ago.In their update, Freddie Mac says the low rates has led to increased homebuyer demand. Meanwhile, according to the Mortgage Bankers Association, refinancing applications increased recently, about 12 percent in the last week. However, Freddie Mac warns that with an increase in coronavirus cases, the economy can stagnate and cause temporary job layoffs to possibly become permanent. The average rate on the 15-year fixed-rate mortgage declined to 2.48% from 2.51%, from last week. 1008

ATLANTA, Ga. -- Even though Georgia didn't swing overwhelmingly blue, Democratic voters are hopeful the purple state is becoming more progressive.Pastor John Elmore's 10-year-old daughter isn’t old enough to vote, but this election has his fifth grader engaging in politics more than he ever expected.It's a trend he's noticed across his entire community. People are calling for unity and hope."That we as a people, no matter who's in office, will do our part to bring about a change," said Elmore, pastor of the 3D Church and a community activist.Change is something his family is witnessing firsthand. They’re in Georgia, one of the most contentious states of the 2020 election."I'm very proud to see Georgia purple," said Elmore.Elmore, his family and fellow voting activist Toccaro Combs held an Election Night watch party at their church. They were hoping to see Georgia swing blue by a landslide, but instead were left with sharply divided results for days."You could see it as division, but you can also see it as growth. I see an opportunity for a new nation, a new look, a new energy, the spirit behind the people of this nation, so I see it as opportunity," said Elmore.Elmore and Combs teamed up this year to build that opportunity for change."We have registered thousands, and hundreds of thousands, of new voters that have activated their voices, and to see Georgia be purple, I'm not surprised. I am just excited," said Combs.Tocarro said the excitement after this election is so different from four years ago. "The day after Election Day in 2016, I woke up and I was horrified. I didn't know, especially as a Black woman in this country, what it looked like for me under an administration that was opposite of my values, and I refused to wake up feeling that way this time around, no matter how the results came out," said Combs.This election saw record turnout for African American voters in Georgia, a success Elmore and Combs believe started from the ground up."We have good community leaders that are fighting hard daily, often to make sure that everyone has a fair opportunity. Yes, suppression is still real. It's still prevalent, it still exists, but I am proud to see that there's starting to be some balance, some awareness, being brought to it, and at this point, I could see the light at the end of the tunnel," said Elmore.The slow and steady fight to get people involved in elections exploded this year, a change Elmore is grateful to be part of."I've noticed people more in tune to politics, people that never cared before, so I think it's brought an awakening to the community."It’s these conversations, and the neighborhood movements, energizing communities of color to fight beyond party lines, beyond state lines, for a country where all voices are heard."It's my hope that change is now, and is happening, and is forever going to keep progressing," said Elmore."Together we are the United States of America, does not matter who you voted for. We are responsible and accountable for each other," said Combs. 3048

BAKERSFIELD, Calif. (AP) — The California Highway Patrol says an officer conducting a routine traffic stop found ,000 of stolen Disney merchandise.The CHP says a Nissan Sentra was pulled over Friday in Kern County after the driver failed to stop when approaching a school bus.The officer learned the driver's license was suspended and then discovered hundreds of pins and other merchandise allegedly stolen from Disneyland.Officials didn't immediately identify the motorist.Authorities say the CHP has contacted Disneyland security and made arrangements to return the property. 588

ATLANTA — The funeral for the late civil rights icon and congressman John Lewis will be held Thursday at Atlanta’s historic Ebenezer Baptist Church, which the Rev. Martin Luther King Jr. once led. Lewis’ family announced that the funeral will be private, but the public is invited to pay tribute over the coming days during a series of celebrations of Lewis’ life beginning Saturday in his hometown of Troy, Alabama. Ceremonies will also be held in Selma, Alabama, and his body will lie in state at the Alabama State Capitol in Montgomery, the Georgia State Capitol in Atlanta and the U.S. Capitol in Washington.Lewis, 80, died Friday after a six-month battle with pancreatic cancer. He represented Georgia as a Congressman for more than 30 years, winning 17 elections. He also fought for Civil Rights for Black people in the 1960s, originally gaining notoriety as one of the 13 original "Freedom Riders." 914

As we inch toward another national election, it may seem that bridging social, economic and political division is insurmountable. But one artist has spent years bringing people together with a message of reconciliation.Rich Alapack is the founder of “We All Live Here”, a project that aims to build unity through community partnerships and public art installations.For the last five years, he’s been spreading his message of positivity and inclusiveness through interactive murals.He’s brought together students, educators and businesses to spread the message that “we all live here.”“Income equality, gender equality, racial equality, sexual equality, the environment, all fall under the umbrella of these four really simple words,” explained Alapack.When he first began his work, he was surprised at how much the phrase resonated.“I started getting messages from people all over the world encouraging me to keep spreading this message,” he said.He created a program for schools called ACT, which stands for art, community and technology. So far, he’s worked with 110 different schools and shared the message of positive inclusiveness with almost 40,000 kids.“With this division that's happening in our society these days, you can't tell someone that they're wrong and expect them to change their mind,” said Alapack. “So, this phrase ‘we all live here’ as a phrase to respond when they hear something hateful.”Seven thousand colorful magnetic panels outside one school mural he installed will eventually have messages scribbled on the underside by eighth-graders.“Believe in yourself, and you can do it,” read Alapack from one panel.A two-year study released this past summer by Beyond Conflict, tapped brain and behavioral scientists to look at toxic polarization in the U.S. What they found suggests that the divide is more a function of perception than reality.It’s something Alapack believes we can change.“It's indisputable. We do all live here, and so, from there you can find other common grounds and repair maybe some of this divide,” he said.And whether through chalk, paint or magnetic panels, Alapack says he hopes creativity and engagement will inspire others to look beyond differences to find understanding.“Creativity is this unique superpower that humans have, and if you can get someone to do something that they don't think they can, then all of a sudden that opens their horizons to what other things they might be able to do that they don’t think they can do.” 2490

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