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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

Following the controversy sparked by a football player carrying a "thin blue line" American flag on the football field Friday night, Chardon Local Schools Superintendent Michael Hanlon Jr. has banned the flag in a school setting.In a statement to the community, Hanlon said the incident understandably drew responses on social media and direct communications to district officials. 389

FRESNO, Calif. -- A Fresno firefighter is mourning the loss of his wife after she died shortly after giving birth to twins.Nick Reeder says his wife Amanda gave birth to two healthy twins last Monday when things took a turn for the worst, according to ABC30.After meeting her newborn twins, Amanda passed out. Doctors say an aneurysm quickly took her life.Reeder says he wants to share his story to let people know it could happen to anyone, even healthy mothers, and to share his story about the woman he calls the love of his life.As of Monday afternoon, a GoFundMe set up to help support the family has surpassed its ,000 goal. 641

Four people were killed and several others were wounded when a gunman opened fire in a Waffle House in Antioch, Tennessee.The mass shooting happened around 3:25 a.m. Sunday at 3571 Murfreesboro Pike near Hobson Pike.Metro Nashville Police Department officials named 29-year-old Travis Reinking, from Illinois, as a person of interest in the shooting, saying the vehicle the gunman used was registered to him.He has since been added to the Tennessee Bureau of Investigation's Top 10 Most Wanted list. Reports from the TBI described him as standing around 6'4'' tall and weighing approximately 180 pounds. He should be considered armed and dangerous.A ,500 reward is being offered for information leading to an arrest. Police said Reinking drove his pickup truck into the Waffle House parking lot around 3:18 a.m.. He sat in the truck for a few minutes before getting out and immediately shooting and killing two people outside of the restaurant with an AR-15 rifle.Officers said he then went inside and shot and killed another victim.Those three victims have been identified. Taurean C. Sanderlin, age 29 of Goodlettsville. He was an employee of the restaurant who was killed as he stood outside. Also killed outside was 20-year-old Joe R. Perez, of Nashville, who was a patron of the restaurant.The third death at the scene was 21-year-old Deebony Groves, of Gallatin. She was killed inside the restaurant.Police confirmed 23-year-old Akilah Dasilva, of Antioch, passed away at Vanderbilt University Medical Center after being injured inside the restaurant. A friend confirmed to NewsChannel 5 that Dasilva was a local musician who went by the nickname "Natrix."Two other victims were wounded by gunfire. They have been identified as 21-year-old Shanita Waggoner, of Nashville, and 24-year-old Sharita Hnderson, of Antioch.When the gunshots rang out, a patron ran to the restrooms. He was watching the gunman and rushed at him when he saw the gunman look down and fidget with the gun.The 29-year-old male patron wrestled the AR-15 away from the gunman. The patron suffered an elbow injury and other abrasions. He was taken to TriStar Southern Hills Medical Center and has since been released.Police said six of the eight people injured were shot.Witnesses said he was nude wearing only a green jacket and got away on foot after the patron took him down.  2424

Former President Barack Obama is expected to report for jury duty in Chicago on Wednesday morning.The former President is expected to appear at Chicago's Daley Center alongside a Secret Service detail, CNN affiliate WLS reports.Several black vans and SUVs were spotted outside his home in the Kenwood neighborhood early Wednesday morning.See the SUV's waiting for the Former President in this video: 407

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