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Manufactured homes are making a comeback. Bloomberg reports since 2009, the homes have been on the rise. Many home buyers are turning to manufactured homes, because they are more affordable.Features that make them appealing to home buyers, include open floor plans, spacious kitchens and big bedrooms and bathrooms. “A lot of people are surprised when they come into our homes for the first time," says Phillip Dickson, with Clayton Homes. "It’s not what they are expecting.”However, there are a few things, aesthetically, that are different. There is a marriage line down the center of a manufactured home. When it’s assembled, it comes in two pieces. In recent years, Dickson says he’s seen an uptick in purchases. He says people are needing affordable housing in this competitive market. According to the National Association of Realtors, an average American home cost about 8,000. A starting price for a manufactured home, with no add-ons, can cost just ,000.When it comes to a manufactured home, there are many housing experts that say factory-built homes depreciate in value. However, Dickson says whether your home is manufactured or not, if you live in a great location, the value of your home will go up. Despite the value of a manufactured home, there are many buyers worried more about the home’s quality. But Dickson says the same requirements put in place for a site build home are still required for manufactured homes. Dickson hopes to break the stigma of how people view a manufactured home. He says if you’re looking to buy a home that you can customize, place where you want and keep it under budget, then a manufactured home might be your best choice.  1760

Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063

Meghan Markle's father, Thomas Markle, told American publication TMZ on Monday that he will not attend his daughter's wedding to Prince Harry.According to the TMZ report, Markle decided not to walk his daughter down the aisle on Saturday, after it was revealed he worked with a picture agency to stage some pictures of him preparing himself for the wedding.Thomas Markle said he now thought the pictures were "stupid and hammy," according to the TMZ report. He said he made the decision to skip the wedding so he wouldn't embarrass the royal family or his daughter. 573

MIAMI, Florida — The pedestrian bridge under construction near Florida International University was supposed to enhance safety — letting walkers and cyclists cross a busy eight-lane street with less worry after a vehicle last year struck and killed an FIU student.Instead, it collapsed Thursday, months before it was to open, crushing cars below, killing at least six people and leaving investigators with the difficult task of trying to figure out why it happened and who might be held responsible."If anybody's done anything wrong, we'll hold them accountable," Florida Gov. Rick Scott said. 606

Midterms, look what you made Taylor Swift do.In a rare move, singer Taylor Swift has weighed in on politics in a major way, endorsing Tennessee Democrats Phil Bredesen and Jim Cooper, who are running for Senate and House of Representatives, respectively.By her own admission, Swift has been "reluctant" to voice her political opinions in the past, but, she said in an Instagram post, "due to several events in my life and in the world in the past two years, I feel very differently about that now.""I always have and always will cast my vote based on which candidate will protect and fight for the human rights I believe we all deserve in this country," she wrote. "I believe in the fight for LGBTQ rights, and that any form of discrimination based on sexual orientation or gender is WRONG. I believe that the systemic racism we still see in this country towards people of color is terrifying, sickening and prevalent."Swift went after Bredesen's senate race rival, Republican Rep. Marsha Blackburn, in her post, saying the politician's voting record "appalls and terrifies me."Bredesen served as governor of Tennessee from 2003 to 2011.In a tweet, Bredesen thanked Swift for her "kind words.""I'm honored to have your support and that of so many Tennesseans who are ready to put aside the partisan shouting and get things done," he wrote. "We're ready for it.""The choice continues to be clear: voters can either have more of the same old partisan shouting that's coming out of D.C, or they can hire someone who has a track record of getting things done for Tennessee," Bredesen's campaign added in a statement to CNN.Swift included a plea to her young adult fans in her post, urging them to register before the deadline."So many intelligent, thoughtful, self-possessed people have turned 18 in the past two years and now have the right and privilege to make their vote count," she wrote. 1907