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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

Rapper Kanye West is scheduled to have lunch with President Donald Trump at the White House today. The meeting is just the latest turn in an unexpected friendship between the former New York real estate mogul and the Chicago musician.Here is a brief history of West's outspoken support of Trump.Prior to the rise of TrumpPrior to Donald Trump's foray into politics, West has had a contentious relationship with former presidents. During a telethon to support the victims of Hurricane Katrina in 2005, West famously went off-script to tell viewers that then-President George Bush "doesn't care about black people."West had a hot-and-cold relationship Bush's successor, President Barack Obama. The Chicagoan reportedly consulted with West and rapper Jay-Z during his presidential campaign in 2008. But after West infamously interrupted Taylor Swift's acceptance speech at the 2009 VMAs, Obama reportedly called West a "jackass" in an off-the-record comment to ABC News reporter Terry Moran. Following the report, West said he felt "used" by Obama."I don’t care if somebody’s the president or not. I care about thoughts and how you helping people and what you bring to the world,” West said, according to Billboard.West says he would have voted for Trump, meets with him during transitionWest did not endorse either Trump or Hillary Clinton prior to the 2016 presidential election. On Nov. 17, days after Trump's victory, West told a San Jose crowd during his "Saint Pablo Tour" that he did not vote, but if he did, he "would have voted for Trump." West cited Trump's speaking style as the reason for his support. 1663

President Donald Trump tweeted on Thursday that he will continue to follow the advice of his lawyers and cooperate with special prosecutor Robert Mueller."I have agreed with the historically cooperative, disciplined approach that we have engaged in with Robert Mueller (Unlike the Clintons!). I have full confidence in Ty Cobb, my Special Counsel, and have been fully advised throughout each phase of this process," Trump tweeted.Recent reports indicated that Trump has been especially irate with an FBI raid of his personal lawyer's office, the findings which could eventually be turned over to Mueller for his investigation into Russian meddling in the 2016 election. Some outlets report that Trump is considering firing deputy Attorney General Rod Rosenstein, who appointed Mueller as special counsel last year.The Washington Post also reports that Trump's former advisor, Steven Bannon was urging aides on a plan to fire Rosenstein and stop cooperating with Mueller.Trump is reported to have considered firing Mueller in December 2017 and in June 2017, according to the New York Times.  1128

President Donald Trump's nominee for an Alabama federal court judgeship is being criticized for not disclosing in his confirmation process his wife's role in the White House.Brett Talley did not disclose his wife's position as chief of staff for White House Counsel Donald McGahn on his Senate questionnaire, according to The New York Times.Sen. Dianne Feinstein, the top Democrat on the Senate judiciary committee, said the full Senate should not consider Talley's nomination until he explains why he failed to disclose the potential conflict of interest."By failing to disclose that his wife is one of President Trump's lawyers," Feinstein said in a statement, "Talley has betrayed his obligation to be open and transparent with the Senate and American people."The Senate judiciary committee advanced Talley's nomination along a party-line vote Thursday and a full Senate vote is expected soon.Question 24 of the disclosure form asks nominees to "identify the family members or other persons ... that are likely to present potential conflicts of interest." Talley did not mention his wife in the answer to this question, only responding: "If confirmed, I will recuse in any litigation where I have ever played a role." Additionally, Talley wrote, "I will evaluate any other real or potential conflict, or relationships that could give rise to appearance of conflict, on a case-by-case basis."A spokesman for the Republican-controlled Senate judiciary committee said Talley was not required to list a spouse' occupation on his questionnaire."It's no secret that that Mr. Talley's wife, Ann Donaldson, is the chief of staff to the White House counsel," judiciary spokesman Taylor Foy said in a statement. "She was sitting behind Mr. Talley at his nominations hearing. Anyone who had any concerns about his wife's occupation could have raised them at the hearing."He added, "Any insinuation that there's any conflict with the special counsel's investigation is absurd, as charges are being filed in the District of Columbia, not the Middle District of Alabama, where Talley is nominated to be a judge.Democrats have already criticized the 36-year-old Talley for his lack of legal experience. While the 2007 Harvard Law School graduate has clerked for federal district and appellate judges, Talley has never tried a case, and he received a rare "not qualified" rating from the American Bar Association.Talley had a prolific online media presence prior to his nomination; Talley referred to Hillary Clinton as "Hillary Rotten Clinton" on his public Twitter account which has since been made private, and pledged his total support for the National Rifle Association one month after the Sandy Hook school shooting where a gunman killed 20 elementary school children in Newtown, Connecticut in 2013.Talley is currently a deputy assistant attorney general in the Office of Legal Policy at the Justice Department. 2918

RANCHO SANTA FE, Calif. (KGTV) -- The forward rate of spread has been stopped after a fire scorched several acres in Rancho Santa Fe Tuesday afternoon. According to Cal Fire, the blaze started on the 6000 block of Avenida Cuatro Vientos around 2 p.m. The agency said the fire burned through two to three acres. A resident of the neighborhood was at work and said his wife called him, crying and concerned about the flames moving up the hill."Fortunately, my next-door neighbor, who's been here for over 30 years, had a portable pool pump," said Dr. Afshar. "And he was the first to arrive on action to put out the flames that were in our backyard. By the time he had it controlled, the fire department was here."The homeowner believes the fire may have been started by crews hired to clear brush.Witnesses report seeing smoke as far away as Interstate 15. Video taken from the fire shows blackened hillside working its way up near a home perched atop the hill. 969

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