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For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

For years, the Federal Housing Administration was the king of the low-down-payment mortgage mountain. Now, Fannie Mae and Freddie Mac, the government-sponsored enterprises that provide capital to the mortgage market, are designing loan products for hopeful home buyers with skinny savings accounts.With Fannie Mae’s HomeReady and Freddie Mac’s Home Possible, a 3% down payment — or what lenders refer to as 97% loan-to-value — is available on so-called conventional loans. Conventional loans are the loan products most often issued by lenders. 561

Former Democratic presidential candidate Hillary Clinton sent mixed messages when she said she did not want to run for president again, but after hesitating she added that she would like to be president someday.When asked by tech magazine Recode's Kara Swisher at a taping Friday of the Recode Decode podcast whether she wanted to run for president again, Clinton said, "No, no."But after a pause and some prodding from Swisher, Clinton said, "Well, I'd like to be president.""I think, hopefully, when we have a Democrat in the Oval Office in January of 2021, there's going to be so much work to be done," she elaborated, later adding, "The work would be work that I feel very well prepared for, having been at the Senate for eight years, having been a diplomat in the State Department, and it's just going to be a lot of heavy lifting."When Swisher asked whether Clinton would be doing that heavy lifting, Clinton replied, "Oh, I have no idea. ... I'm not even going to even think about it till we get through this November 6 election about what's going to happen after that."Swisher tweeted Monday morning that Clinton seemed to mean she would have preferred to win the presidency in 2016, not that she planned to pursue it again."Tweeps, simmer down!" Swisher tweeted. "While it perhaps sounded like @HillaryClinton refused to rule it out, my take is she was basically implying she wishes she were president but doesn't relish running again." 1468

FRANKLIN TOWNSHIP, Ohio (WCPO) -- A firefighter in Franklin Township, Ohio who posted a racial slur on his Facebook page saying he'd save a dog over a black person has resigned, according to The Journal-News.Tyler Roysdon submitted his resignation late Monday night, township officials told the newspaper, after his racially charged comment got him suspended on Sept. 12.Roysdon’s since-deleted Facebook post has made national news. He purportedly stated that, given the choice, he would save a dog before a black person -- posting “one dog is worth a million” and then using the N-word.Before his resignation, Middletown NAACP chapter president Dora Bronston called for Roysdon to be fired, saying a firefighter's job is "to be there for every person that calls on your help.""This person is 20 years old - apparently not mature enough to be a firefighter," Bronston said. "We trust those people with our lives to protect us, to keep us safe our families safe, and we don't want them to put us in harm's way."Without authority to fire Roysdon, Township Fire Chief Steve Bishop had placed Roysdon on indefinite suspension pending a disciplinary hearing. Township trustees had scheduled a disciplinary hearing for Roysdon for Sept. 27. 1297

FOSTER CITY, Calif. – The maker of remdesivir, a drug shown to shorten recovery time for severely ill COVID-19 patients, has released its pricing for the treatment.Gilead announced Monday that it will charge ,340 for a typical treatment course for people covered by government health programs in the United States and other “developed countries.”As for Americans with private insurance, they’ll be charged ,120, “because of the way the U.S. system is set up and the discounts that government healthcare programs expect,” Gilead said.Based on current treatment patterns, Gilead said the vast majority of patients are expected to receive a five-day treatment course using six vials of remdesivir. Individually, each vial will cost 0 for those covered by a government insurer, and 0 per vile for those with a private insurer.In poorer countries, with less health care resources, generic drugmakes will be allowed to make the drug and sell it for far less than in the U.S.The pricing has already come under fire, because the development of the drug was largely funded by taxpayer money.Gilead’s CEO, Daniel O’Day, wrote in an open letter that the company approached its pricing decision with the aim of helping as many patients as possible, as quickly as possible.“At the level we have priced remdesivir and with government programs in place, along with additional Gilead assistance as needed, we believe all patients will have access,” wrote O’Day.O’Day said Gilead has entered into an agreement with the U.S. Department of Health and Human Services (HHS) whereby HHS and states will continue to manage allocation to hospitals until the end of September. After this period, once supplies are less constrained, HHS will no longer manage allocation.The U.S. Food and Drug Administration (FDA) has actually not yet approved remdesivir for any use, but it has granted an Emergency Use Authorization (EUA) for the treatment of hospitalized patients with severe COVID-19.This treatment is much different than COVID-19 vaccines, which are still in development. Public health leader Dr. Anthony Fauci has said that the U.S. should have a "couple hundred million" doses of a coronavirus vaccine by the beginning of 2021. 2226