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Mortgage rates have been low for months, but currently, about 19 million homeowners who are eligible to refinance haven't cashed in.According to data analytics firm Black Knight, these homeowners have a credit score of 720 or more and at least 20% equity in their homes. They could save nearly 0 a month on average.A new survey by YouGov for Forbes Advisor found that 34% of homeowners say they’re not sure refinancing is worth it.A mortgage analyst at Forbes Advisor says one reason people may be hesitant is they don't want to deal with banks that are overloaded with applications right now.“Borrowers really need to advocate for themselves, so make sure that you call your lender if you haven't heard from them in over a week let’s say or just really stay on top of it and at the end of the day. If you're not getting the service that you want, there are many other lenders that would be happy to get your business,” said Natalie Campisi, Mortgage Analyst at Forbes Advisor.Another reason you should act now if you've been considering refinancing, is there's a new fee. It starts on December 1, but your loan may not be processed before then if you don't start the process now.“What you want to do is talk to your lender,” said Campisi. “If you decide to apply for a loan, ask them, say you know will you roll this fee into the cost of my loan, which some lenders are doing, and find out some lenders might be able to process your application before December 1.”Campisi says you can benefit the most from refinancing if you're not planning to move within the next few years. Also, if you have more than 10 years left on your mortgage.You also need to consider closing costs that can average around ,000. Most experts recommend you need to be saving at least 0 a month to make those costs worth it. 1816

MUSKEGON, Mich. - Organizing school supplies such as crayons, notebooks, and folders then packing them into backpacks is a labor of love for Muskegon sisters Payton and Madelyn Chittenden.“If you see something wrong, you should at least try to fix it,” said Payton.The sisters are working to make a difference for students this school year.“We donate school supplies to kids that… can’t afford it,” said Madelyn.In July, FOX17 introduced the sisters and their mission to collect school supplies for their classmates with families impacted by the coronavirus pandemic.They figured they would be able to pack a few dozen backpacks, but as the donations picked up so did the project’s impact.“It’s just making those kids smile and not worry about the coronavirus,” said Melissa Chittenden, mom.Melissa says monetary and supply donations have added to over ,000, which is enough to create more than 950 backpacks for kindergarten through fourth-grade students at Reeths Puffer Schools, Muskegon Public Schools, Holton Public Schools, and Fruitport Community Schools.That’s 15 to 25 kits per grade at each district’s elementary schools.“It means so much to me as a parent that this is what my kids are focusing on during a time with the corona, they’re not really worried about catching the germs, they’re worried about what can we do to make this a better place?” said Melissa.Teachers will distribute the kits to their students once classes start.Payton and Madelyn believe it could connect students during a year in which not much can be shared and teach them all a lesson of love.“It doesn’t matter if you’re helping a little or a lot, you’re still changing the world,” said Madelyn.“It will help them learn and they will know that they’re special and someone cares about them,” said Payton.Marisa Oberle from WXMI in Grand Rapids, Michigan first reported this story. 1876

MOBILE, Ala. — Former Auburn University football coach Tommy Tuberville has defeated Jeff Sessions to win the Republican Senate primary in Alabama.The 65-year-old Tuberville is now positioned to put up a strong challenge against Democratic Sen. Doug Jones. President Donald Trump endorsed Tuberville.Sessions had held the Senate seat for 20 years until he resigned to serve as Trump’s attorney general. But he was politically wounded by Trump’s criticism after he recused himself in the investigation into Russian interference in the 2016 presidential campaign.The president continued his criticism of Sessions right up to the eve of Tuesday’s election, saying he “made a mistake” when he appointed Sessions attorney general. 733

Musicians of the Nashville Symphony have created a fund to raise money for furloughed members due to the COVID-19 shutdown.The Nashville Symphony Players’ Assembly set up the fund on their website. They're raising the money for 83 members of the orchestra who are still on a furlough that could last a full year. Click here to donate to the Nashville Symphony members. "It's really terrifying. You have a lot of single parents in the orchestra," said Melinda Whitley, a long time viola player for the symphony.Whitley said she knows of at least two musicians who have had to sell their home because of the furlough, which started on July 1."No one prepares, not on a musician's salary, to spend a year with no income," she said.To encourage people to donate, and to continue to play their music, the Musicians of the Nashville Symphony have continued to play live music online. This past weekend an online concert was held at St. George Episcopal Church in Nashville.A number of concerts have also been planned to help raise money for the musicians."This is Nashville. And it's a very creative place and a supportive place. If we can continue to serve the community the best way we know how then they will continue to help us. That's the best we can do for ourselves at this point," said Whitley.Whitley said she's worried more musicians will leave the orchestra if something doesn't change soon. She's worried unemployment won't last them a whole year.This story was first reported by Kyle Horan at WTVF in Nashville, Tennessee. 1548

More travelers are being deceived every year by third-party travel sites disguised as dream destinations.Hotel booking fraud is a growing problem — 1-in-4 American travelers say they've been duped.Molly Fay says one of these sites took advantage of her. She booked a dream vacation last year to wine country. In the interest of full disclosure, Fay works at Scripps station WTMJ in Milwaukee, the station that originally broke this story."I thought I was booking directly with the resort," Fay said.   She searched the web for the name of a California Inn and clicked on the website to reserve a room,."(It) absolutely looked like the property's website with the picture, their name top line and didn't have mention at that time of the booking service," Fay said. She actually booked through a third-party website, something Fay realized when the confirmation email came through.A few months before the trip, Fay had to cancel.  She was hoping to get some money back."I thought maybe the resort will make an exception or work with me. Maybe give me half of my money back," she said. The third-party website told Fay it was checking with the owner about her request.  "They got back to me immediately and said 'the owners of this property said they will make no exception for you," she said. Fay said she later discovered the site never actually made contact with the inn. The number of travelers duped by third-party websites is growing, according to the American Hotel & Lodging Association.  In 2015 only 6 percent of vacationers reported being a victim. In 2017, it was 22 percent.    Many result in bad bookings.  People are charged hidden fees, they don't get the accommodations promised, or reservations are lost.It's one of the reasons some people are trending back to travel agents.  "They do like to know they have that security," Holly Faith, with Fox World Travel Brookfield, told us.  With so many choices, and the pitfalls of online booking, they're seeing more travelers book through the agency."They get very overwhelmed. So they do come back kind of full circle now, to our advice," Faith said. There has been some oversight by the federal government. The FTC recently filed a complaint against a company that sells hotel reservations through third-party websites. It found the defendants engaged in "deceptive acts and practices" creating the impression consumers are booking rooms directly through the advertised hotel.  Fay was able to get some of her money back by bypassing the booking site and reaching out to the general manager at the California inn directly. Now, Fay says she's more careful when making a reservation.      There is federal legislation in the works called the Stop Online Booking Scams Act. It would require all third-party websites disclose they are not affiliated with hotels. The bill would also give state Attorneys General the ability to go after violators in federal court. right now only federal authorities can pursue charges.Some key things to look for so you don't fall into a scheme: Many of these third-party sites use the hotel name in the link. If the website doesn't have a locked symbol or an "https" in the web address don't do business there.RESOURCES:  3370

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