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Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

PRIMM, Nevada. (KGTV) -- A woman who disappeared after reportedly leaving a San Diego Spa was found dead in Primm Valley, Nevada, according to Victor Valley News. According to the San Bernardino Sheriff’s Department, 53-year-old Izetta Burney went missing on November 24.Burney disappeared while driving home to Victorville after visiting a San Diego spa, a friend tells 10News.RELATED: Missing woman never made it home after visit to San Diego spa, deputies sayAccording to the friend, Burney’s phone went straight to voicemail and her credit cards and bank account showed no signs of activity shortly after she disappeared. Foul play isn’t suspected and the cause of death has yet to be released, according to the paper. 732

Rafael Nadal, the current No. 2-ranked tennis player in the world and winner of 19 career Grand Slam titles, won’t play in the upcoming US Open citing coronavirus concerns.Nadal, 34, is chasing Roger Federer for most career Grand Slam titles as both players head toward the twilights of the careers. For Nadal the spread of the coronavirus took precedence to catching Federer, who has won 20 Grand Slams.“The situation is very complicated worldwide, the COVID-19 cases are increasing, it looks like we still don’t have control of it,” Nadal said on Tuesday. “We know that the reduced tennis calendar is barbaric this year after 4 months stopped with no play, I understand and thank for the efforts they are putting in to make it happen.”The tennis calendar was scaled back in March as the coronavirus began to spread worldwide. This year’s Wimbledon tournament was canceled altogether, while the French Open, a tournament Nadal has won a record-setting 12 times, has been postponed to early October.Despite major tournaments being postponed, players have continued playing competitive matches, sometimes amid controversy. Early in the summer, tennis star Novak Djokovic organized an Eastern Europe tournament that ignored coronavirus safety measures. The tournament’s final ended up being canceled, and a number of players, including Djokovic, ended up with coronavirus infections. 1389

President Donald Trump's administration plans to propose a new rule Friday that would bar abortions at facilities receiving federal family planning funds, according to two people familiar with the plans -- a move aimed squarely at Planned Parenthood, which accepts some federal money for non-abortion services.Long sought by conservatives, the step would take the administration's push to curtail abortions further. There are already laws in place that prevent federal money from directly funding abortions, but groups like Planned Parenthood still accept federal dollars for services like annual screenings and checkups."This proposal does not necessarily defund Planned Parenthood, as long as they're willing to disentangle taxpayer funds from abortion as a method of family planning, which is required by the Title X law," said a Trump administration official. "Any grantees that perform, support, or refer for abortion have a choice -- disentangle themselves from abortion or fund their activities with privately raised funds."Under the new rule, those services would have to be performed in a different place than abortions, and by different employees, if the facility is to continue receiving federal family planning dollars.Planned Parenthood receives some of its funding from those programs, known as Title X. But the bulk of the federal money it receives comes from Medicaid, and would not be affected by the new rule.The-CNN-Wire 1447

Puerto Rico’s elections commission says it has discovered more than 100 briefcases containing uncounted ballots a week after the U.S. territory held its general election, drawing criticism and scorn from voters who now question the validity of the outcomes of certain races. Francisco Rosado, the commission’s new president, said Tuesday that the briefcases were found in a secured vault and blamed the situation on what he said was an underfunded and understaffed administrative board responsible for counting a record number of absentee and early votes. 563

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