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If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

Hurricane Maria made landfall Wednesday in southeast Puerto Rico, ripping trees out of the ground and entangling two-thirds of the island in hurricane-force winds.Maria made landfall near the city of Yabucoa with winds of 155 mph -- just 2 mph short of Category 5 status, the National Hurricane Center said.By 9 a.m., those winds had weakened to 145 mph. But Maria is still a Category 4 hurricane, capable of ripping roofs off houses. 442

In a pair of 2015 speeches, President Donald Trump's nominee for a federal judgeship in Texas described transgender children as evidence of "Satan's plan," lamented that states were banning conversion therapy and argued that sanctioning same-sex marriage would lead to polygamy and bestiality.Jeff Mateer, the current first assistant attorney general of Texas, was serving at the time as general counsel of the First Liberty Institute, a religious liberty advocacy group known before 2016 as the Liberty Institute. He faced criticism from LGBT rights groups for his work with the organization, such as opposing the expansion of nondiscrimination protections to LGBT people in the city of Plano. If confirmed by the US Senate, he will serve on the US District Court for the Eastern District of Texas.In a May 2015 speech, titled "The Church and Homosexuality," Mateer discussed a Colorado lawsuit in which the parents of a transgender girl sued her school for preventing her from using the bathroom of her choice."In Colorado, a public school has been sued because a first grader and I forget the sex, she's a girl who thinks she's a boy or a boy who thinks she's a girl, it's probably that, a boy who thinks she's a girl," Mateer said in a video posted on Vimeo in 2015 and reviewed by CNN's KFile. "And the school said, 'Well, she's not using the girl's restroom.' And so she has now sued to have a right to go in. Now, I submit to you, a parent of three children who are now young adults, a first grader really knows what their sexual identity? I mean it just really shows you how Satan's plan is working and the destruction that's going on."Mateer's nomination comes as the Trump administration has unveiled a series of actions aimed at rolling back advancements for gay and transgender rights. Trump vowed to fight for the LGBT community during his presidential campaign and said last April that people should "use the bathroom they feel is appropriate." Since taking office, however, Trump has withdrawn an Obama administration directive that allowed transgender students in public schools to use the bathroom of their choice and issued a directive banning transgender military recruits.In that same May 2015 speech, Mateer said that the Supreme Court decision allowing same-sex marriage could lead to what he called "disgusting" new forms of matrimony."I submit to you that there'll be no line there," he said. "And actually in the arguments Chief Justice Roberts, who's in the center there said, I mean, what is the limiting? Why couldn't four 4 people wanna get married? Why not one man and three women? Or three women and one man? And we're gonna spare you some of those slides. We actually have a presentation that we get into it. And I'll tell you, we say it's PG-13, it may be R, or what do they call the next one? NC-17 or whatever?"He continued, "I mean, it's disgusting. I've learned words I didn't know. I mean, other than...my assistants here, have you ever heard the word 'throuple'?'Throuple' so that's three people coming together of different sexes, maybe mixed sexes. Them coming together. There are people who marry themselves. Somebody wanted to marry a tree. People marrying their pets. It's just like -- you know, you read the New Testament and you read about all the things and you think, 'Oh, that's not going on in our community.' Oh yes it is. We're back to that time where debauchery rules."Later that year in November 2015, Mateer lamented that states were banning gay conversion therapy at a conference hosted by controversial pastor Kevin Swanson, who preaches that the Biblical punishment for homosexuality is death."Biblical counselors and therapists, we've seen cases in New Jersey and in California where folks have gotten in trouble because they gave biblical counseling and, you know, the issue is always, it's same sex," Mateer says in audio obtained by CNN's KFile. "And if you're giving conversion therapy, that's been outlawed in at least two states and then in some local areas. So they're invading that area."Groups like the American Psychiatric Association and the American Pediatric Association have condemned the practice as having no scientific basis and the potential to do mental harm.Mateer did not respond to a request for comment. A Department of Justice spokesperson declined to comment on Mateer's remarks. 4371

Immigration and Customs Enforcement agents have released more people seeking asylum in the United States from custody, citing a shortage in space.The release comes as thousands of people fleeing violence in Central America as part of a migrant caravan are beginning to arrive in Tijuana, hoping to enter the U.S. and claim asylum here.Earlier this year, federal officials released several hundred families to relatives, church groups or other organizations due to statutory limitations on how long people can be held in custody."These people, they don't speak English they don't have any money, and they are in another country and they don't have a cell phone to call their relatives," said Magdalena Shwartz, who works with churches and ICE to help find places to stay until relatives can pick up those the government releases.For families detained by immigration authorities, under a settlement agreement and subsequent decision, unaccompanied children or families can only be held in custody for 20 days before being released while their cases work their way through immigration courts.Pastors at a church in Mesa said they recently received a call from ICE asking if the church could help at least one hundred people, who were dropped off Tuesday. Others were given a bus ticket and dropped off at a bus station in Phoenix."They don't have another option," Shwartz said. "They cannot keep the people detained there for a long time, because they are getting more people."Multiple attempts to seek comment from Immigration and Customs Enforcement on Tuesday's release were not returned.Those who are ultimately granted asylum by a judge are allowed to stay, while those whose applications are denied will be deported. 1747

I was right again! Steve Scully just admitted he was lying about his Twitter being hacked. The Debate was Rigged! He was suspended from @cspan indefinitely. The Trump Campaign was not treated fairly by the “Commission”. Did I show good instincts in being the first to know?— Donald J. Trump (@realDonaldTrump) October 15, 2020 334