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SAN DIEGO — The economic fallout from the novel coronavirus is leading to increased opportunities to buy a home or refinance one currently owned. Freddie Mac reported Thursday that the average rate for a 30-year fixed mortgage was 3.29 percent, the lowest in its 50-year history.That's down from 4.41 percent one year earlier. With the new, lower rate, a household with a 0,000 mortgage would save about 0 on their monthly payments. "Anytime there's any sort of any big natural disaster, war threat, that type of thing, the Wall Street money seeks safe havens, and that tends to drive rates down," said Scott Harmes, a senior loan officer at C2 Financial Corp. Harmes said the phones have been ringing off the hook since the rates fell, including for people inquiring to refinance. He said refinances should be evaluated on a case-by-case basis, depending on how much a household owes, how much longer the loan will last, and how long they plan to stay in their home. For those in the market to buy, the lower rates come just as San Diego will enter the spring peak homebuying season. Realtor Michelle Silverman said the higher rates could make the market tighter, but that homes still need to be priced appropriately."A seller can't be greedy," said Silverman, of Coldwell Banker. "If you have a greedy seller, the house is going to stay on the market. If the property is priced right, you're going to get multiple offers, maybe even go above list price, and it will move. It will sell."The rate drop comes after the Federal Reserve lowered its key Federal Funds Rate by 0.5 percent earlier this week in an emergency action. CoreLogic reports that the median home price in the county was 5,000 in January, up 7.9 percent from one-year earlier. 1762

SACRAMENTO, California (AP) — Impoverished towns in the shadow of Mount Shasta. Rustic Gold Rush cities in the Sierra Nevada foothills. High-dollar resort communities on the shores of Lake Tahoe. Ritzy Los Angeles County suburbs.They all could be the next Paradise.A McClatchy analysis reveals more than 350,000 Californians live in towns and cities that exist almost entirely within "very high fire hazard severity zones" — Cal Fire's designation for places highly vulnerable to devastating wildfires. These designations have proven eerily predictive about some of the state's most destructive wildfires in recent years, including the Camp Fire, the worst in state history.RELATED: Governor Gavin Newsom lays out plan for wildfire preventionNearly all of Paradise is colored in bright red on Cal Fire's map — practically the entire town was at severe risk before the Camp Fire raged through last November, burning the majority of homes in its path and killing 85 people.Malibu, where the Woolsey Fire burned more than 400 homes last year, also falls within very high hazard zones. As does the small Lake County town of Cobb, much of which was destroyed by the Valley Fire in 2015."There's a lot of Paradises out there," said Max Moritz, a fire specialist at UC Santa Barbara.RELATED: Wet winters no longer reduce wildfire risk in California, report claimsAll told, more than 2.7 million Californians live in very high fire hazard severity zones, from trailers off quiet dirt roads in the forest to mansions in the state's largest cities, according to the analysis, which is based on 2010 block-level census data. The California Department of Forestry and Fire Protection says its maps show places where wildfires are likely to be extreme due to factors including vegetation and topography.The maps aren't perfect in their ability to forecast where a fire will be destructive. For instance, the Coffey Park neighborhood of Santa Rosa isn't in a very high hazard zone, but powerful winds pushed the Tubbs Fire into that part of the city, largely leveling the neighborhood in October 2017.Coffey Park was built "with zero consideration for fire," said Chris Dicus, a forestry and fire expert at Cal Poly San Luis Obispo. "Fire was in the mountains — there was no consideration that fire would cross (Highway) 101."RELATED: Do it now: Clear out brush and create defensible spaceCal Fire is making new fire hazard maps — ready in a year or so — that will incorporate regional wind patterns and other climate factors. In the meantime, experts say the current maps, created about a decade ago, still provide an important guide to predict where wildfires could do the most damage, in the same way floodplain maps highlight areas that could be hit hardest during severe storms.The at-risk communities identified by McClatchy also should serve as a starting point for prioritizing how California should spend money on retrofits and other fire-safety programs, Moritz said.California's state-of-the-art building codes help protect homes from wildfire in the most vulnerable areas, experts say. But the codes only apply to new construction. A bill introduced by Assemblyman Jim Wood would provide cash to help Californians retrofit older homes."This will go a long way toward these different municipalities (in showing) that they deserve funding," Moritz said.McClatchy identified more than 75 towns and cities with populations over 1,000 where, like Paradise, at least 90 percent of residents live within the Cal Fire "very high fire hazard severity zones." 3555

SAN DIEGO (CNS) - A disgraced former U.S. naval officer was sentenced in San Diego today to two and a half years in prison for his role in a wide-ranging bribery and fraud case involving a notorious one-time foreign defense contractor.Ex-Navy Cmdr. Troy Amundson, 50, is the latest naval official to be sentenced for corrupt acts committed at the behest of Malaysian national Leonard Glenn "Fat Leonard" Francis and his Singapore-based company, Glenn Defense Marine Asia.Earlier this year, Amundson pleaded guilty to one count of conspiracy to commit bribery, admitting that he schemed with Francis and others to receive gifts, including entertainment expenses and the services of prostitutes, in exchange for taking official actions for the benefit of GDMA.Francis, for his part, pleaded guilty in 2015 to bribery and fraud charges and conceded that he had presided over a massive decade-long conspiracy involving scores of U.S. Navy officials, tens of millions of dollars in fraud and a glut of bribes and gifts -- from cash, prostitutes and luxury travel to Cuban cigars, Kobe beef and Spanish suckling pigs.From 2005 to 2013, Amundson coordinated the Navy's joint military exercises with its foreign maritime counterparts. As part of those duties, he was responsible for building and maintaining cooperative relationships with the Navy's foreign naval-exercise partners.The defendant, a resident of Ramsey, Minnesota, admitted that Francis paid for dinner, drinks, transportation, various entertainment expenses and prostitutes for him and other U.S. Navy officers from September 2012 through October 2013.On one occasion, according to prosecutors, Amundson wrote to Francis from a private email account, proffering internal proprietary Navy information: "I am a small dog just trying to get a bone ... however I am very happy with my small program. I still need 5 minutes to pass some data when we can meet up. Cannot print."That night, Francis provided prostitutes from Mongolia for Amundson, according to prosecutors. Having passed Navy ship schedules to Francis and taken numerous other actions for GDMA in violation of his official duties, Amundson was interrogated by federal criminal investigators in October 2013.As part of his plea agreement, Amundson admitted that he deleted all his private email account correspondence with Francis following his interview with law enforcement agents."Amundson cavalierly and selfishly traded on a sacred position of trust, selling his honor to a foreign defense contractor in exchange for prostitutes and entertainment expenses," San Diego-area U.S. Attorney Adam Braverman said. "We will vigorously enforce the law when a public official puts his own selfish personal interests ahead of the interests of the Navy and our nation."So far, 33 defendants have been charged in the case, and 21 have pleaded guilty, many admitting that they accepted luxury travel, parties and prostitution services from Francis in exchange for helping the contractor win and maintain contracts and overbill the Navy by millions of dollars.In addition to handing down the 30-month custody term, U.S. District Judge Janis Sammartino ordered Amundson to serve three years of post-prison supervised release and pay a ,000 fine along with ,625.60 in restitution. 3305

SAN DIEGO — A leader has emerged in the battle between two democrats to represent California's 53rd District in Congress, according to a scientific poll released Tuesday. Sara Jacobs is leading Georgette Gomez 38 percent to 24 percent in the race, with 38 percent still undecided, an ABC-10News Union-Tribune says. Jacobs, a nonprofit founder who served in Obama's State Department, is leading Gomez among Democrats, Independents and Republicans who say they have made up their minds. Gomez, currently the San Diego City Council president, is leading Jacobs among the youngest voters, those between the ages of 18 to 34. Thad Kousser, a political scientist at UC San Diego, said the poll still shows the race isn't over, despite Jacobs' big lead. Kousser noted Jacobs still has not secured at least 50 percent of the vote, according to the poll."We're going to see an all-out press and more money spent by each of these candidates because they see that this race is far from over," Kousser said. "Sara Jacobs hasn't closed the deal, Georgette Gomez still sees a light at the end of the electoral tunnel from this poll."The candidates combined spent nearly million campaigning through June 30. Jacobs, granddaughter of Qualcomm founder Irwin Jacobs, reported .5 million in receipts, while Gomez reported .17 million. "It's always nice to have polls reflect what we're feeling on the ground, which is that what voters are looking for in this district is someone who has the kind of experience I have working in the federal government and who will be a new generation of leaders," Jacobs said in an interview. In a statement, a spokesperson for Gomez's campaign expressed confidence. “It’s still early and not a single vote has been cast," the statement said. "Georgette Gómez’s message of leadership in response to the coronavirus crisis and standing up to Trump as President of the San Diego City Council is starting to reach voters. Our campaign is ramping up its efforts to reach voters in every corner of the district."Kousser said Jacobs likely has more name recognition, given her ads and her unsuccessful attempt in 2018 to run for Congress in Coastal North County's 49th District. In the case of Gomez, he said local politics such as City Council does not garner as much attention as it should.The poll, of 534 likely voters, showed 63 percent of the undecided voters are Republicans, in the heavily blue district. Kousser said they simply may decide not to vote in that race.The poll also shows Joe Biden beating President Trump 61 to 30 in the 53rd, which comprises central San Diego and heads south into Chula Vista. The seat came open after Democrat Susan Davis announced she would retire after serving for nearly 20 years. 2751

SAN DIEGO (AP) — A San Diego military court hearing has been postponed in the case of a Navy SEAL accused of killing an Islamic State prisoner in Iraq. The defense had been expected to seek dismissal of the case Wednesday but instead asked for a continuance, which the judge granted. 292

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