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Attention homeowners: if you haven't refinanced in the past year, you may want to think about it.Mortgage rates have dipped to a new low for the 11th time this year.This time, they're at the lowest point they've been since Freddie Mac started tracking rates almost 50 years ago.The national average for a fixed 30-year mortgage is 2.8%, and 2.33% for a 15-year mortgage.That's great news for people who are already in homes and want to stay there, but it won't help most buyers.Home prices are up an average of 15% over last year, as the inventory of available homes continues to fall. 593

ASHEVILLE, N.C. – A North Carolina city council unanimously approved a reparations resolution for its Black residents Tuesday.The Asheville City Council voted 7-0 to approve the resolution that formally apologizes for the city’s participation and enforcement of slavery. It also offers an apology for carrying out an urban renewal program that destroyed multiple, successful Black communities.While the resolution provides reparations to the city’s Black residents, it does not mandate direct payments. Instead, the legislation calls for investments in areas where Black citizens face disparities.The resolution, obtained by the Asheville Citizen Times and WHNS, calls for “forming policy and programs that will establish the creation of generational wealth and address reparations due in the black community…” It also encourages state and federal leaders to do the same.The resolution says the resulting budgetary and programmatic priorities may include, “increasing minority home ownership and access to other affordable housing, increasing minority business ownership and career opportunities, strategies to grow equity and generational wealth, closing the gaps in health care, education, employment and pay, neighborhood safety and fairness within criminal justice.”Councilman Keith Young, who spearheaded the initiative, told ABC News that the council was looking to “embed systemic resolutions.” As for a timeline, he said the council "will have some steps to report on within six months and every six months after that.” He added that the work does not end, and it will be adaptive.The Black community makes up about 12% of the city of Asheville, while 83% of residents are white, according to census data. 1721

ATLANTA — Georgia’s top elections official says his office is investigating potential election law violations by groups working to register voters ahead of January's Senate runoffs. Secretary of State Brad Raffensperger named four groups his office is specifically investigating: America Votes, Vote Forward, The New Georgia Project and Operation New Voter Registration Georgia. He says some groups are allegedly encouraging people outside the state to register to vote in January's Senate run-off election, according to The Hill. “We have opened an investigation into a group called America Votes, who is sending absentee ballot applications to people at addresses where they have not lived since 1994,” Raffensperger said Monday in announcing the investigations. America Votes responded to the accusations in a statement to the Atlanta Journal Constitution, saying they have mailed applications to those on the list of voters maintained by Raffensperger's office. The secretary is also punching back at claims that fraud has tainted the state’s presidential election. Raffensperger said dishonest actors are exploiting the emotions of many Trump supporters with fantastic claims and apparently misleading the president as well. He said during a news conference Monday that his office has 23 investigators probing 250 open cases alleging some kind of election law violation, but none of them cast doubt on the integrity of the state's election results. 1461

Authorities have identified a Facebook post believed to have been made by the gunman who killed 12 people at a bar in California, a law enforcement official said.Ian Long, 28, burst into the Borderline Bar & Grill in Thousand Oaks and opened fire with a Glock .45-caliber handgun as patrons line-danced late Wednesday night.Long is believed to have posted the social media message around the time of the attack, according to the official, who is familiar with the investigation.In it, the writer says: "I hope people call me insane ... (laughing emojis).. wouldn't that just be a big ball of irony? Yeah ... I'm insane, but the only thing you people do after these shootings is 'hopes and prayers'.. or 'keep you in my thoughts'... every time... and wonder why these keep happening. " 796

Atlanta Dream point guard Renee Montgomery is opting out of the 2020 WNBA season to focus on social justice reform after the death of George Floyd in Minneapolis.Montgomery tweeted her decision on Thursday."After much thought, I’ve decided to opt-out of the 2020 WNBA season. There’s work to be done off the court in so many areas in our community. Social justice reform isn’t going to happen overnight but I do feel that now is the time and Moments equal Momentum. Let's keep it going!" 495

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