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SAN DIEGO (KGTV) -- A new study by Zillow shows that homebuyers with lower credit scored pay more for the same homes than buyers with excellent credit scores.According to Zillow, borrowers with excellent credit scores could get a mortgage with a 4.5 percent annual percentage rate.Borrowers with a fair credit score could get a 5.1 percent rate. Over the lifetime of a 30-year mortgage, that means a buyer with a fair credit score may end up paying an additional ,000 over the lifetime of the loan.In San Diego, where the median home value in March of 2018 was 5,300, Zillow estimates that homebuyers with fair credit will pay ,000 for the same home.The difference is only amplified in more expensive markets, Zillow says. In addition, the penalty for lower credit scores tends to be higher."When you buy a home, your financial history determines your financial future," said Zillow senior economist Aaron Terrazas. "Homebuyers with weaker credit end up paying substantially higher costs over the lifetime of a home loan. Of course, homeowners do have the option to refinance their loan if their credit improves, but as mortgage rates rise this may be a less attractive option."Zillow says that even if homeowners don’t pay the full 30-year term on a loan, the annual cost of a lower credit score can still add up to 0 a year. 1346

SAN DIEGO (KGTV) -- A new report is looking into why there is a shortage of homes for sale around the country. According to the report by NerdWallet, in October of 2017, the US had a 3.9-month supply of existing homes for resale, meaning at that pace, it would have taken 3.9 months to sell all the homes on the market. According to NerdWallet, a supply under six months places home buyers at a disadvantage. The report identifies six reasons why the housing supply is so low. 1. Boomers aren’t movingOver three-fourths of baby boomers own their own homes, according to the report, meaning millennials don’t have enough homes available to buy. The report also found that rising home prices force baby boomers to stay put because they don’t have the cash to downsize. RELATED: California gas tax set to increase July 12. Landlords won’t sellNerdWallet says millions of single-family homes were converted to rentals after the foreclosure crisis. In 2017, renters made up 36 percent of households. A greater demand for homes coupled with less supply means values rise while rents are rising faster than home prices. 3. Low mortgage rates The report points out that interest rates on outstanding mortgages averaged about 3.8 percent over the last three years. As mortgage rates rise, fewer people are interested in selling and getting into new mortgages. 4. Entry-level homes ignored by buildersIn the first nine months of 2017, nearly 500,000 newly-built homes were sold of which 55 percent sold for 0,000 or more. NerdWallet says builders blame high land cost and a lack of skilled construction workers for not building more entry-level homes. RELATED: Program vows to help San Diego teachers buy homes5. Regulations add costThe report points out the homebuilders say environmental protection, infrastructure fees and rules that specify lot sizes all add tens of thousands of dollars to the cost of building every single home. According to the report, regulations account for roughly one-quarter of the cost of each home. RELATED: San Diego County city shows enormous home appreciation in 20 years6. Owners want a restricted supplyFinally, the report found that local zoning and land-use regulations are enacted by officials elected by the people. The report says those officials are only responding to constituents who want a limit on the number of homes that can be built in a neighborhood. Elected officials can also set a minimum square footage for homes, further limiting supply. “There are regulations that are more about the neighbors’ sensibilities than they are about the safety of the people living in the houses,” says Miriam Axel-Lute, associate director of the National Housing Institute. “It’s neighbors who want their property values to go up, in most cases, who are insistent upon some excess safety design standards or minimum lot sizes or other things,” Lute says. “They either want their property values to go up or they don’t want, quote, ‘the wrong sort of people’ in their neighborhoods. This is the pressure behind a lot of the most damaging regulations out there.” 3097

SAN DIEGO (KGTV) - A San Diegan who was killed in the mass shooting at the Borderline Bar was honored Thursday on the anniversary of the attack, both in Coronado and Thousand Oaks.Justin Meek's family attended a large public dedication ceremony for the Healing Garden in Thousand Oaks, a park and permanent memorial site with 12 stone slabs representing the victims."It's not that we are moving on, but that we are moving forward," Meek's father Roger said in an interview.RELATED: Coronado native among victims of the Thousand Oaks bar shootingMeek, a promoter and occasional security guard at the bar, broke out windows so others could escape when gunfire erupted last November, according to family members. Witnesses said Meek had his hands outstretched, trying to block the gunman when he was shot."All Justin ever wanted to do was serve and protect, and that's what he did that night," said his mother Laura Lynn Meek.RELATED: Family remembers local Borderline shooting victimMeek had plans to join the Coast Guard, and he worked as a lifeguard in Coronado. On Thursday, artist Bill Pavlacka built a sand sculpture in Meek's honor outside the main lifeguard tower."Sometimes people just don't take a moment to sit back and reflect," he said. 1254

SAN DIEGO (KGTV) -- A member of the Phoenix Rising has been suspended for six games after reportedly using a homophobic slur against San Diego Loyal SC player Collin Martin.According to the USL Championship, Junior Flemmings was suspended for six games and has received an undisclosed fine in the incident.San Diego Loyal players walked off the field in protest after the slur was used during the September game.RELATED: San Diego Loyal SC walks off field over alleged homophobic slur"Listen, when we're all on our death bed, nobody's going to remember if we beat Phoenix 3-1 at home ... no one's going to remember that. They will remember that they stood up for something that they believed in and they supported their teammate and they supported what's right in the world. And that to me is what matters more than anything," Loyal coach Landon Donovan said. "I love soccer, I love this game, it's meant so much to me. I love competing ... but, you can't claim that you have these values if you don't act when it really matters.”Martin came out as gay in 2018 while with the Minnesota United.RELATED: San Diego Loyal SC forfeits point due to racial slurThe slur was used just one week after San Diego Loyal said it would forfeit the point it received because of a racial slur used in its game against LA Galaxy II, after the club says midfielder Elijah Martin was the victim of a racial slur by an opposing player. 1423

SAN DIEGO (KGTV) -- A local father is recovering from stab wounds after getting attacked by an intruder in his home. The man's 20-year-old son shot and killed that intruder according to San Diego Police. It happened just before 6:30 Tuesday morning at a home in the 6300 block of Lake Shore Drive in San Carlos. Neighbors heard the violence. "I heard the gunshots, it was like three or four gunshots, then screams for help immediately after," said Denise Rolla. When police got to the home, they found the suspect dead in the pool and the 54-year-old homeowner with stab wounds to the upper body. Police say the homeowner's son shot and killed the intruder, who stumbled out the back and landed in the pool. "I heard what turned out to be the suspect fall into the pool and then a couple minutes later, you could see the blood start to spread out through the pool," said Andrew Grogg, who lives right next door. There are walking paths and Mission Trails Golf Course is located behind the homes which are just southwest of Jackson Drive. Neighbors say they don't have a problem with transients in the area, but police say so far, it appears the 38-year-old suspect is homeless. His name hasn't been released. The family owns a tire shop in La Mesa. They are well known and liked in the community. "They're local business owners in the community. They're great neighbors. They're kind, they're nice," said Grogg. Police say so far, the attack appears to be random. 1472

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