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Lowe’s, in partnership with a group of NFL players, says it is contributing million in Christmas trees to needy families and facilities in “need of extra cheer” this holiday season.All told, Lowe’s will deliver 13,000 pre-lit trees to homes and organizations throughout the country. Among the facilities to receive the donated trees will be childcare centers, youth centers, first responder stations and nonprofit housing organizations.Top NFL players including Dak Prescott, Jared Goff, Adam Thielen and Andy Dalton are joining the project. Prescott is joining six Dallas-area organizations to provide 100 trees for organizations in the Dallas area."This has been a tough year for so many people who deserve nothing but joy and festivity this holiday season. I was so touched by what Lowe's is doing to make the holidays a little brighter for these special families and organizations, and just knew I had to get involved," said Dak Prescott, quarterback for the Dallas Cowboys, in a statement. "Giving back is what the holidays are all about, and it's an honor to be a part of these tree deliveries alongside so many other incredible NFL players and organizations." 1177

MIAMI — All of South Florida is now in the cone of concern for Hurricane Eta, which hammered Nicaragua on Tuesday.According to the 4 a.m. ET update from the National Hurricane Center, Eta is packing maximum sustained winds of 60 mph.The NHC said Eta will rapidly weaken as the storm moves farther inland over Nicaragua and Honduras.The forecasts project the storm will curve and emerge over the northwestern Caribbean Sea on Thursday night or Friday. Once it does, forecasters said it could re-strengthen into a tropical storm.By Sunday at 7 p.m., the center of Eta will be just south of Florida with maximum sustained winds of 60 mph.According to meteorologists for Scripps station WPTV in Palm Beach, Florida project that there will be a higher confidence on Friday for the potential impacts in South Florida."Computer models are in fairly good agreement, but the timing is different," said WPTV chief meteorologist Steve Weagle said. "Some are much faster, bringing the rainfall in on Friday. Others a lot slower, bringing it in on Saturday."At that point, Weagle said the forecast is calling for tropical storm conditions over the weekend with heavy rain and gusty winds.Weagle said rain bands will likely arrive later on Friday, loosely tied to Eta and a weak front over Cuba. Heavy rain squalls and possible tropical storm conditions are in the forecast for Saturday and Sunday."It'll likely be a very sloppy, disorganized weather system as it moves through," Weagle said. "Soggy weekend on the way."This story was originally published by Steve Weagle and Kahtia Hall on WPTV in Palm Beach, Florida. 1613

LOUISVILLE, Ky -- A Kentucky judge delayed until Friday the release of secret grand jury proceedings in Breonna Taylor’s killing by police. That's according to the state Attorney General Daniel Cameron’s office. Kentucky's Attorney General Daniel Cameron sought a delay of a week to enable names and personal information to be redacted from the recordings. Information to be redacted included phone numbers and addresses. The motion was filed Wednesday morning, the same day a Louisville court was expected to release the audio recordings. Cameron’s spokeswoman said Wednesday that a judge granted a shorter delay, giving the attorney general until noon Friday. 670

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

MAMMOTH LAKES, Calif.(KGTV) - Mammoth Mountain closed Saturday after three people were partially buried in an apparent avalanche.The popular snow resort issued the closure on Twitter, saying the avalanche struck just after 10 a.m. while Mammoth Mountain Ski Patrol was performing avalanche hazard mitigation, which could involve structural measures or artificial triggering of high-risk areas."All rescue measures are in place and the mountain is currently closed," officials tweeted.The three individuals partially buried were able to free themselves. There have been no reports of missing persons, the resort said.1/2 At approximately 10:15AM on March 3, 2018, Mammoth Mountain Ski Patrol was performing avalanche hazard mitigation work when an avalanche released on the upper part of the mountain traveling towards the High Five Express [Chair 5] area. All rescue measures are in place and...— MammothMountain (@MammothMountain) March 3, 2018 963

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