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MARGATE, Fla. — A South Florida woman just couldn't wait to have her baby.Susan Anderson and her husband, Joseph, had almost made it inside Natural BirthWorks in Margate last Friday when baby Julia decided to meet the world early.Doorbell video shared by owner Gelena Hinkley showed the moment of birth.Video shows the mother crouching over in the parking lot while midwife Sandy Lobaina stands behind her.Anderson screamed just as two police officers, who happened to be in the area at the time, walked up to her."She's OK," Lobaina said. "I'm the midwife. She's here to have the baby."Anderson let out a big scream and Lobaina caught the baby as the officers watched in disbelief.After Julia's birth, Anderson was helped into the medical center by the child's father and Lobaina.In the video Hinkley ran into the frame just moments after the birth — but not fast enough."Un-freaking-believable," Hinkley said, seemingly disappointed she missed the party."What was going through my mind was, 'Get in the tub. Get in the tub.' Because I just wanted that relief," Anderson said.Lobaina said she has some crazy births before, but this was a first."Babies sometimes come really quick…and you just got to be quick, put your gloves on and just go," Lobaina said.Although Hinkley missed all the action, she's seen the video and has a good sense of humor."It was the best handoff ever," she said. This story was originally published by Miranda Christian and Peter Burke on WPTV in Palm Beach, Florida. 1502

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

MALIBU, California — The devastating Woolsey Fire destroyed homes in Malibu on Friday including one belonging to Caitlyn Jenner.By Friday afternoon, 14,000 acres burned, along with multiple homes, fire officials reported. Another 30,000 homes were threatened in Ventura County.Caitlyn Jenner's home was featured on her reality show "I Am Cait", according to KABC. It sat on a ridge overlooking the Malibu hills area, covering 3,500 square feet.RELATED: Interactive Map: See Woolsey, Hill Fire ZonesTMZ reported that Jenner has lived in the home in 2015 and had to deal with natural disasters before. Last year, winds up to 60 miles per hour tore the roof from the house.Jenner’s former stepdaughters, Kim Kardashian West, and Kourtney and Khloe Kardashian, also had to evacuate their homes in Calabasas."Pray for Calabasas," Kardashian West wrote on an Instagram story. "Just landed back home and had 1 hour to pack up & evacuate our home. I pray everyone is safe."Kardashian posted an update on twitter Friday about the home she shares with husband Kanye West. 1078

MANITOWOC, Wis. – Democratic presidential nominee Joe Biden made a campaign stop in Wisconsin on Monday.The former vice president delivered a speech in Manitowoc, during which he accused President Donald Trump of only having the best interest of his supporters in mind. In contrast, Biden said he would be a president for all Americans, even those who don't support him.Watch the event below:Biden also spoke about the COVID-19 pandemic as the country’s death toll from the coronavirus approaches 200,000. The events marks Biden's second trip to the swing state this year and it comes just days after Trump held a rally there. Democrats are hoping to win the traditionally blue state back in November, four years after Republicans carried it by fewer than 23,000 votes.The stop also came after the death of Supreme Court Justice Ruth Bader Ginsburg, which has turned the general election on its head. 908

MENIFEE, Calif. — The family of the woman who allegedly shot three people at YouTube headquarters on Tuesday say they tried to warn police about a potential attack.The family of Nasim Aghdam also described her as a peaceful person."She was a nice person," Agham's brother, who asked his name not be used, said. "I mean maybe not today, but she never hurt any creature."Aghdam's family said her passion was preaching in favor of vegans and rallying against animal cruelty. In 2009, she was part of a PETA protest in San Diego.The family says she felt she reached the most people through her YouTube page, but her relationship with the company turned ugly when YouTube changed its filters and she began to lose followers and viewers. 759