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If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

House Speaker Nancy Pelosi said Thursday that she's still hopeful lawmakers can reach an agreement on another COVID-19 stimulus bill, though Democrats and Republicans remain far apart in certain areas.Pelosi said Thursday that Democrats and Republicans still remain far apart when it comes to additional unemployment funding, as well as more funding for local and state governments.When asked if she believed this was the last chance to strike a stimulus deal ahead of Election Day, Pelosi said she would continue to hold out hope that Congress could reach a deal all the way up to election day.Pelosi's comments come the day that billions of dollars in stimulus funding provided through the CARES Act for the airline industry expired. American Airlines said Wednesday that it would go ahead with the furlough of nearly 20,000 pilots, and other airlines say massive layoffs are coming.There is reportedly bipartisan support to extend more funding for the airline industry, but Democrats are hoping to roll those benefits into a more extensive bill.White House press secretary Kayleigh McEnany blamed Pelosi for airline furloughs and layoffs during a briefing on Thursday, claiming that she wasn't "being serious" in her negotiations. 1241

IMPERIAL BEACH, Calif. (KGTV)— The San Diego Sheriff’s Department is looking for a mother of two accused of stealing thousands of dollars from her children’s school. Last week, the department’s financial crimes division issued a public warrant for 30-year-old Kaitlyn Faith Birchman for felony embezzlement.Birchman was the President of the Imperial Beach Charter School’s PTA, until she was voted off the board in March. Months before, board members said they began noticing a lack of funds.“There were thousands of dollars that hadn’t been paid,” current PTA treasurer Elizabeth McKay said. McKay told 10News, she began connecting the dots last year when vendors from previous years continued to bill the PTA saying they hadn’t gotten paid. That’s when McKay, a former Coronado Police Department Sergeant began investigating. When she contacted the bank, they told her their account no longer existed. "We were very lucky that the bank was willing to work with us to put together a paper trail,” McKay said. “The checks she had written to herself and signed herself. ATM withdrawals that weren't anywhere near Imperial beach or had anything to do with a PTA event."In March, the board confronted Birchman. They had a Sheriff’s Deputy come to the board meeting to explain exactly what “embezzlement” meant."She [Birchman] said that it was just a misunderstanding,” McKay said. “It was a lot of blind faith that they thought if she says everything is okay, then everything must be okay."At the end of the meeting, Birchman was removed from the Board.Now the Sheriff’s department is looking for the woman they said stole directly from kids, forcing the PTA to cancel students field trips and special events. “I want her to think about her own kids. She needs to at this point, make things right by taking responsibility of her actions,” McKay said. “That's the best lesson that she can teach her own children. And to make herself a better person from here."Birchman’s children no longer attend Imperial Beach Charter school. McKay said with the generous support of the community and a large donation from General Mills Box Tops, this school year, the PTA is financially stable again. They also made it a point to make all transactions transparent to all members. 2269

If you think you may have been exposed to COVID-19, contact your health care provider immediately. If you have health-related questions or concerns, contact your healthcare provider. For general questions about COVID-19 or information about community resources, call 2-1-1.SAN DIEGO (KGTV) -- A lot of fear stemming from the Coronavirus comes from the fact that it is so new and that it is unraveling in real-time. Many people remain confused about the exact symptoms, as many healthcare professionals tell them to look for cold or flu-like symptoms. But what exactly does that mean? PODCAST: Supervisor Nathan Fletcher talks about coronavirus and how newly approved stimulus bill will impact San Diego County10News sat down with Dr. Abisola Olulade from Sharp Rees Stealy Downtown, who broke it down. According to the Centers for Disease Control and Prevention [CDC], these are the common symptoms for the cold, flu, and Coronavirus.The Cold:SneezingCoughStuffy NoseSore ThroatThe Flu:FeverAchesChillsFatigueSneezingCoughHeadacheThe Coronavirus:FeverCoughShortness of BreathThere are many overlaps. But Dr. Olulade said the most significant difference is the respiratory aspect of shortness of breath. When a patient experiences that, that is a cause for serious Coronavirus concern. "I would say that the main thing that is different about the Coronavirus is that, more so than the others, it causes shortness of breath. It’s rare for the others to cause shortness of breath," Dr. Olulade said. When should you go to the doctor? Dr. Olulade said, do not panic and run out the door immediately. First, make sure you have a fever, cough, and especially shortness of breath. Then, call your doctor to let them know of your specific symptoms so that the hospital or doctor's office can prepare for your potential arrival. For example, you may need a special type of room to be set up. You may not.Dr. Olulade said if you are in general good health, with no pre-existing conditions, and have no recent travel history, you may be asked to stay home and self-quarantine for the time being. Testing for you may not be prioritized. However, if you are presenting Coronavirus symptoms, have pre-existing conditions that make your immune system compromised, or have recent travel history, you may be asked to come in immediately to get tested. It all depends on that phonecall. Listen to their advice and proceed. 2413

Hundreds of students at Sage Creek High School in Carlsbad witnessed a graphic and emotional presentation about DUI driving Tuesday. The program is called "Every 15 Minutes" is presented by the CHP and other local first responders. Teens saw fellow students injured or dead after a drunk driving crash and also saw another student arrested for getting behind the wheel intoxicated. The two day program will conclude Wednesday with a mock funeral and a presentation by a CHP officer who lost family members in a DUI crash last year.  565

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