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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

If you're flying across the planet in the next 12 months, you might want to think about routing that trip through one of Asia's top airports.Once again the region's aviation hubs are leading the world when it comes to passenger satisfaction, scooping top prizes in the prestigious annual Skytrax World Airport Awards.Maintaining its position at the top of that chart for an amazing sixth year in a row is Singapore's Changi AirportThe city-state's gleaming facilities fended off stiff competition from the likes of Doha's Hamad International and Hong Kong's International Airport."To be voted the World's Best Airport for the sixth consecutive year is a fabulous achievement for Changi Airport, and this award yet again demonstrates the airport's popularity with international air travelers," Edward Plaisted, CEO of UK-based Skytrax, said in a statement.The annual awards, which were held in Stockholm on Wednesday, are based on millions of airport passenger surveys and have been dubbed "the Oscars of the aviation industry." 1035

HUNTINGTON BEACH (CNS) - A 60-year-old Huntington Beach woman who went missing while walking her dog in the Bristlecone Pine Forest in Inyo County was found alive Monday on the fourth day of an intensive search.Inyo County sheriff's officials announced shortly after 2 p.m. that Sheryl Powell had been found near the Montenegro Springs area, near the area where her dog had been found earlier in the day.``Searchers describe her as resilient and strong but exhausted after being lost in an extremely remove area above Big Pine,'' according to the sheriff's office.She was being taken to a hospital to be checked out. Powell was reported missing by her husband at about 2 p.m. Friday, Inyo County sheriff's officials said.Powell's husband told deputies they had just arrived at a campsite and she took their 5-pound, black-and-white dog for a walk while he was parking their Jeep. When he got out of the vehicle, she was nowhere to be found, officials said.Powell's husband told deputies he searched for almost an hour before contacting authorities, officials said.A California Highway Patrol helicopter with a thermal imaging device flew over the area and the Inyo County sheriff Search and Rescue team began searching immediately, sheriff's officials said.The air and ground search continued over the weekend, officials said. 1334

In an interview with Axios, which aired Monday night, President Donald Trump said he again believes that his administration has the coronavirus pandemic "under control," despite the fact that deaths linked to the virus are currently on the rise throughout the country.When Axios reporter Jonathan Swan pointed out to Trump that deaths are on the rise, Trump said it's as "under control as much as you can control it.""(Americans) are dying, that's true, and it is what it is," Trump said. "But that doesn't mean we aren't doing everything we can. It's under control, as much as you can control it. This is a horrible plague that beset us."Trump also reiterated the false claim that virus cases are on the rise in the U.S. solely because the country is doing more testing than any other country."Because we're so much better at testing that any other country in the world, we show more cases," Trump said.While the U.S. is conducting more tests than any other country, other statistics, like hospitalizations linked to the virus and deaths linked to the virus, are currently on the rise. In addition, Johns Hopkins reports that 7.7 percent of all COVID-19 tests in the U.S. are coming back positive — in South Korea, the positive test rate currently sits at 0.9 percent.Trump also attempted to prove through statistics that the United States' mortality rate was among the best in the world. He handed Swan a piece of paper that showed the U.S. mortality rate was falling among a proportion of confirmed cases.Swan then pointed out that the United States ranked among the worst in the world when viewing COVID-19 deaths as a proportion of the population."You can't do that," Trump said.Trump also stated in the interview that some experts have said that "you can test too much." When asked who was saying that, Trump told Swan to "read the manuals, read the books."None of Trump's top health experts have publicly advocated for less testing. Earlier this year, Dr. Anthony Fauci and several other coronavirus task force members said during a House hearing that they had not been directed to "slow down" testing, and said it was the administration's goal to conduct more testing.During that same interview, Trump also told Swan that he "wasn't sure" how history would view the legacy of Rep. John Lewis. 2308

IMPERIAL BEACH, Calif. — A suspected drunk driver nearly hit several beach-goers Sunday before his SUV ended up in the ocean.The driver, identified as 50-year-old Jorge Mosti, was driving in the 1600 block of Seacoast Dr. just after 6:30 p.m. local time when witnesses say his SUV left the roadway and went onto the beach, according to San Diego Sheriff's Department.As he continued onto the beach, SDSO said Mosti nearly hit several people as he drove about a mile down the beach. His vehicle came eventually came to a stop when it partially submerged in the ocean.Mosti reportedly then jumped out of the vehicle and started walking toward Tijuana, Mexico. He made it about half a mile before deputies caught up to him. Deputies said Mosti was holding an open beer can as they took him into custody.Imperial Beach Lifeguards also responded to help pull the SUV from the water.Witnesses at the beach identified Mosti in a curbside lineup, SDSO said. He was arrested on charges of reckless driving and driving under the influence of alcohol. 1078

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