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Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

RANCHO CUCAMONGA, Calif. (KGTV) -- The ex-husband of former Army veteran Julia Jacobson pleaded guilty Monday to a 2nd-degree murder charge.Dalen Ware will be sentenced October 15 and faces 15 years to life in prison.Jacobson disappeared over Labor Day weekend in 2017 and is believed to have been murdered along with her dog, Boogie.RELATED: Human remains found in shallow grave during search for missing San Diego woman  Jacobson’s car was later discovered abandoned near her home in University Heights.In December of 2017, Ontario Police discovered the remains of a woman and a dog in a shallow grave along Interstate 10.Jacobson's family posted a message on a public Facebook page following the news:  733

RAMONA, Calif. (KGTV) — A coyote is back on all fours after being caught upside-down on a fence in Ramona this week.The coyote was spotted along a property on Royal Vista Dr. Wednesday with her foot caught at the top of fencing, according to County News Center.County Animal Services believes the animal was leaping over the fence when her foot was caught.RELATED: 377

REDMOND, Wash. (AP) — Microsoft is buying the company behind popular video games The Elder Scrolls, Doom and Fallout. The software giant said Monday that it is paying .5 billion for ZeniMax Media, the parent company of video game publisher Bethesda Softworks. Microsoft said it is buying Bethesda in part to beef up its Xbox Game Pass game subscription service, which it says has over 15 million subscribers. Bethesda games, such as Starfield, which is currently in development, will launch on Xbox Game Pass the same day they launch on Xbox or computers. Microsoft has new consoles debuting on Nov. 10, the Xbox Series X and stripped down Series S version. 667

Rabbits are multiplying in the childrens' book section.Comedian John Oliver is provoking Mike Pence with a parody book about the vice president's pet bunny to coincide with the Pence family's release of a new children's book."Marlon Bundo's A Day in the Life of the Vice President" was written by the vice president's daughter, Charlotte Pence, and illustrated by second lady Karen Pence, a watercolor artist. The book, which is out Monday, "gives young readers a bunny's-eye view of the special duties of the vice president," per its publisher.Not to be out-bunned, HBO's "Last Week Tonight" released its own version, "Last Week Tonight with John Oliver Presents a Day in the Life of Marlon Bundo."The late-night comedy news program's book "tells the story of Vice President Mike Pence's famed pet rabbit's same-sex wedding," per its publisher."I live with my Mom, Grandma, and Grampa in an old, stuffy house on the grounds of the U.S. Naval Observatory. That's because my Grampa is the vice president. His name is Mike Pence. But this story isn't going to be about him because he isn't very fun. This story is about me, because I'm very, very fun," an excerpt of the spoof Bundo book reads alongside a watercolor picture of the rabbit, clad in a multicolor bow tie, hula-hooping on the grounds of the vice president's residence.Pence was criticized during his time as Indiana governor for his positions on issues important to the LGBTQ community, including signing a religious freedom bill into law in 2015.A spokesperson for Regnery Publishing, which issued the Pences' book, called the parody "unfortunate.""It's unfortunate that anyone would feel the need to ridicule an educational children's book and turn it into something controversial and partisan. Our and Mrs. and Charlotte Pence's goal is -- and will continue to be -- to educate young readers about the important role of the vice president, as well as to highlight the charities to which portions of the book proceeds will be donated," the spokesperson said in a statement.The proceeds of "A Day in the Life of Marlon Bundo" will be donated to The Trevor Project and AIDS United, while the Pences will donate a portion their proceeds to A21, a nonprofit focused on combating human trafficking, and an art therapy program at Riley Hospital for Children.The parody version of the book was the No.1 bestseller on?Amazon.com Monday morning. The Pence version ranked 15th. 2464