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Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

EL CAJON (CNS) - A resident at an East County independent-living facility was ordered Thursday to stand trial on a murder charge for allegedly killing a fellow resident by beating him in the face and head with a frying pan following an early morning argument.Brad Masaru Payton, 26, faces 26 years to life in state prison if convicted of the murder charge and an allegation of personally using a deadly weapon in the killing of Matthew McCarthy.Police said the violence at the transitional group home in the 1200 block of Naranca Avenue in El Cajon was reported shortly before 5 a.m. last Dec. 20. Patrol officers arrived to find a badly beaten McCarthy in a bedroom at the residence, said El Cajon Police Lt. Walt Miller.RELATED: Police called from home 78 times leading up to murder with frying panMedics took the victim to a hospital, where he was pronounced dead. Payton was arrested without incident.According to Miller, the victim and the defendant knew each other and lived in separate rooms. Witnesses said the two were arguing for unknown reasons just before Payton allegedly attacked McCarthy with a blunt object, which turned out to be a frying pan, Miller said.Payton, who is being held in lieu of million bail, is due back in court Oct. 17 for a Superior Court arraignment.More coverage:911 calls detail life at El Cajon independent living facility where man was attackedEl Cajon mayor says state laws are to blame for problems with independent living facilitiesEl Cajon home where man was beaten to death with pan set on fire 1550

Dr. Fauci discusses distributing the coronavirus vaccine to the public and returning to "normality": "If you're talking about getting back to a degree of normality, which resembles where we were prior to COVID, it's gonna be well into 2021. Maybe even towards the end of 2021." pic.twitter.com/FHhdWhSsFb— MSNBC (@MSNBC) September 11, 2020 347

EL CAJON, Calif. (KGTV) -- Some parents are upset after a document from the Cajon Valley Union School District was accidentally shared.Cajon Valley Union School District Superintendent David Miyashiro said an employee’s notes taken during a weekend planning summit -- which included the teachers union, school board members, and district management -- were inadvertently released.Under one of the sections in the notes is language describing parents as “stay at home mom, do not want to teach their kids,” as well as references to some parents being “right-wing” and “not all believe this is real and believe it will be finished by August.”Several parents obtained the document and were upset with how they were described. Demanding answers, some parents showed up at a closed-door district meeting on Tuesday evening where reopening plans were being discussed.Miyashiro sent 10News this statement on the matter: “I've both apologized to the parent community on our behalf and also addressed this with the employee. They weren't meant for public view but there's no excuse ... we don't speak about anyone that way.”Parents who spoke to 10News about the notes said they want something to come out of this situation, whether it’s training or education for staff members."The trust has been lost; the trust between parents and the school district. Trust between parents and superintendent, trust between parents and the board, I think. That's the feeling I get,” one parent said.The district, made up of 16 elementary schools and five middles schools, serves over 17,000 students in various communities in and around El Cajon. 1631

EL CAJON, Calif. (KGTV) - 10 people escaped a fire that destroyed a motor home and damaged a house in El Cajon Saturday.The flames broke out at 3:25 a.m. on Emerald Ave., Heartland Fire crews said.A motor home parked in the carport suffered the most damage but parts of the house were gutted.Two people inside the motor home and eight people in the house were not hurt.They declined help from the Red Cross.Heartland Fire investigators are looking into what caused the fire. 482