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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

Former President George H.W. Bush will continue to recover in the hospital through the weekend, but he "is in excellent spirits," a family spokesman said Friday.Bush continues to focus on "regaining strength," but the 93-year-old former president "is looking forward to resuming his schedule and going to Maine next month," the spokesman, Jim McGrath, said in a tweet.The 41st president was moved from intensive care to a regular patient room at Houston Methodist Hospital on Wednesday afternoon. He was admitted on Sunday morning after contracting an infection that spread to his blood. Earlier Wednesday, a source close to the Bush family said the 41st president was doing much better, pointing to a tweet from Bush's Twitter account that thanked Houston authorities for their handling of Barbara Bush's funeral as a positive indication of Bush's recovery.Bush's hospitalization came just a day after the funeral of his wife, Barbara Bush. The former first lady passed away last Tuesday at the age of 92. The pair had been married for 73 years. 1054

Football coach Derrick Clark was a convicted drug dealer when he was hired two seasons ago for New Haven Endeavour Middle School in New Haven, Michigan. Now he’s in jail facing serious sex charges.  School Superintendent Todd Robinson talked with Jim Kiertzner, investigator for Scripps station WXYZ in Detroit and said he knew Clark had some criminal past, saying “Not to the extent that you’re sharing with me now.”  Robinson would not say what his understanding of it was. “I don’t want to make any more comment about it at this time.” Robinson also would not answer if he would still hire him if he knew what he knows today.State records show Clark was convicted of drug possession and running a drug house and was on probation from 2009 to 2014. Clark now faces charges of third degree criminal sexual conduct, pandering and racketeering in Macomb County.  Police said Clark reportedly sold his girlfriend for sex with online ads dozens of times over several months and threatened her and kids to go to Child Protective Services.At least one “John,” a man who paid for sex, is cooperating with police.John Wallace, who lives next door to the school says, “That sounds to me like another Nassar case.”Other parents said they are upset.Clark was hired through a contracting firm called EDUStaff in Grand Rapids.  The company president, Clark Galloway, sent us a statement that says criminal background checks and approval are up to school districts and Clark is not the only employee they’ve supplied: 1572

Fox News said on Monday that it would no longer air an ad calling for President Trump's impeachment, a move that came after Trump seemingly responded to the 60-second spot by attacking the billionaire Democratic donor featured in it on Twitter."Due to the strong negative reaction to their ad by our viewers, we could not in good conscience take their money," Jack Abernethy, co-president of Fox News, said in a statement.A Fox News spokesperson declined to say exactly how the network measured the negative reaction the ad drew and how it determined the negative reaction met a threshold that necessitated no longer airing it.Television networks have wide latitude about the commercials they air. Ads with totally false claims are occasionally rejected. But Fox's decision -- shelving an ad because viewers complained -- is highly unusual.The ad, produced by a group backed by Democratic megadonor Tom Steyer called Need To Impeach, features Steyer outlining a case for impeaching Trump, framing the president as a "clear and present danger" who is "mentally unstable and armed with nuclear weapons." It directs viewers to sign an online petition.The ad has been running elsewhere on TV, including CNN and MSNBC and some local broadcast TV stations, including ones owned by Fox's parent company. There is also an online component to the ad campaign.The 60-second spot ran on Fox News three times on October 27. After one of the ads aired during "Fox & Friends" that morning, Trump seemingly responded to it, labeling Steyer in a tweet as "wacky & totally unhinged."On Friday, Steyer announced on MSNBC's "All In With Chris Hayes" that Fox News was refusing to air week two of his ad buy. Need To Impeach, which had purchased seven slots to air that week, said in a press release that it was first informed by Fox News of its decision on October 31.A representative for Need To Impeach said the group was told it would be refunded for the second week of its ad buy since none of the ads ran. It's unclear whether Fox News, which said it "could not in good conscience" take money from the group, would refund Need To Impeach for the three ads that did run on its network. The Need To Impeach representative said it has not received any refund thus far. A Fox News spokesperson declined to comment.Brad Deutsch, an attorney representing Need To Impeach who sent a letter to Abernethy on Friday accusing Fox News of breaching its contract, told CNN he believed that Fox News' decision to pull the ad raised larger questions about the network's programming."Fox News is admitting that they don't provide their viewers with information if the information will upset their audience (i.e., impact their bottom line by losing audience)," Deutsch said in an email."It makes you wonder whether they are making the same calculations with decision about news content," he continued. "Is Fox setting news judgment aside and censoring news stories because they fear a 'strong negative reaction" from their audiences?"Fox's decision may have ultimately drawn even more attention to Steyer and his ad campaign. He tweeted on Monday: "Fox News trying to silence the 1.7 million who have already signed our impeachment petition." Then he promoted a link to the petition.The-CNN-Wire 3280

Florida Democrat Sen. Bill Nelson called Wednesday for a recount in his race for re-election against Republican Gov. Rick Scott.In a statement from Nelson's office, the longtime incumbent said Scott had prematurely declared victory in the race, which CNN has not yet called.In Florida, an automatic recount is triggered when the final margin is less than .5% and are not triggered by candidate requests. Votes were still being counted Wednesday morning, but Scott's lead was within that margin, according to CNN projections. The initial vote count won't be finalized until Saturday at noon. 598