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Mortgage rates are likely to set record lows in August for the third month in a row.The 30-year fixed-rate mortgage averaged 3.18% APR in July, a record low in NerdWallet’s mortgage rate survey. The average rate tumbled 15 basis points compared with June, which at the time had the record low monthly average.The recession has caused rates to fallMortgage rates fall when the economy stalls. And the economy has been sputtering for months as the COVID-19 pandemic sent millions of people to the ranks of the unemployed.The U.S. economy shrank at a 32.9% annual rate from April through June, the Commerce Department reported July 30. The slowdown happened because businesses, state and local governments, and consumers cut their spending. Consumers cut way back on clothing and footwear purchases, among other items.? MORE: How mortgage rates are determinedGood news for refinancers, hard times for othersThe COVID-19 pandemic has helped some homeowners while injuring others, and it may harm many renters as well.Among the beneficiaries are homeowners with high credit scores who haven’t suffered interruptions in income. They have met the qualifications to refinance their mortgages at record-low interest rates.Home sellers have thrived in many housing markets, as home prices have risen despite surging unemployment, an unusual combination. Home resale prices were up 3.5% in June, compared with a year before, according to the National Association of Realtors. One reason for the increase in prices: Fewer homes were for sale because of social distancing. The reduced supply of for-sale houses led to increased competition among buyers, pushing prices upward.Homeowners must catch up on missed paymentsBut the COVID-19 recession may end up harming more homeowners than it helps.In late July, 3.9 million homeowners were using mortgage relief plans that allow borrowers to miss payments or make partial payments if they have been affected by COVID-19, according to the Mortgage Bankers Association. Eventually, those homeowners will be expected to catch up on their missed payments. Some homeowners’ incomes were permanently reduced. They may find it difficult to make good on their past-due payments.Renters could be out in the coldRenters could end up suffering the most. According to the U.S. Census Bureau’s Household Pulse Survey, 18% of renters, or 13.3 million households, didn’t pay their full rent in June. And in mid-July, one-third of renters surveyed, representing 23.8 million households, told the bureau that they had no confidence or slight confidence that they would make their next rent payment.Congress, along with state and local governments, imposed limits on evictions early in the pandemic, but some of those protections have expired. On top of that, 0 extra weekly unemployment insurance payments were set to expire at the end of July, and as the clock ticked down to the August recess, Congress was still negotiating an extension.Even with tenant protections in place, about 4% of renters have received an eviction notice or have been threatened with eviction since March, according to data from the Urban Institute’s Coronavirus Tracking Survey.When eviction bans expire, tenants have few options:Apply for emergency rental assistance, if the state or city offers it and still has money.Reach a repayment agreement with the landlord. Under such an agreement, tenants pay extra each month until they catch up with the past-due rent. But a repayment plan requires the tenant to have the money and the landlord to be willing to make a deal. Neither of those is a sure thing.If it’s not swamped with similar requests, the local legal aid service might be able to step in and help negotiate a deal with the landlord.? MORE: What COVID-19 means for mortgage ratesMore from NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL.The article Mortgage Outlook: Recession Presses Down on August Rates originally appeared on NerdWallet. 4108

NASHVILLE, Tennessee — Tennessee Department of Correction officials plan to check in on registered sex offenders in the mid-state on Halloween.Officers will visit the homes of offenders, who are under the department's supervision, on Halloween night to make sure they are following specific rules.Each offender must follow the guidelines listed below in order to keep innocent trick or treaters off of their door step. 431

NASHVILLE (AP) — Officials confirmed Sunday in a press conference that Anthony Quinn Warner, who died at the scene based on DNA evidence, has been identified as the suspect in the Nashville Christmas morning bombing, with no indication anyone else was involved. 269

MLB and the league’s player union held negotiations this week, days after a contentious series of statements between the league and union indicated the 2020 season is in peril.The league and players are working on a plan to begin the 2020 season after it was postponed by the spread of the coronavirus. With most professional sports leagues coming back this summer, MLB has yet to formalize a plan for resumption.MLB Commissioner Rob Manfred said that a new set of proposals have been forwarded to the players.The tone from Manfred on Wednesday differed from earlier in the week.“We left that meeting with a jointly developed framework that we agreed could form the basis of an agreement and subject to conversations with our respective constituents,” Manfred said. “I summarized that framework numerous times in the meeting and sent Tony a written summary today. Consistent with our conversations yesterday, I am encouraging the Clubs to move forward and I trust Tony is doing the same.”Earlier on Wednesday, reports surfaced that the league and players have finalized a deal, but those reports appeared to be premature as the MLBPA said that no agreement has been made.At odds is the number of games to be played, and whether players will be paid a full prorated amount for those games. MLB said that based on an agreement between the leagues and players days after the league suspended Spring Training, players would only be paid a full prorated salary if games were held in front of fans. As of now, the likelihood of MLB games being played in front of fans this season appears to be low.The players union has complained that the league is attempting to play the fewest number of games possible.“The commissioner has repeatedly threatened to schedule a dramatically shortened season unless players agree to hundreds of millions in further concessions,” the MLBPA said on June 13. “Our response has been consistent that such concessions are unwarranted, would be fundamentally unfair to players, and that our sport deserves the fullest 2020 season possible.” 2069

MURRIETA, Calif. (KGTV) — Border Patrol agents arrested a man Wednesday after more than 70 pounds of cocaine were found inside inside his vehicle.Border Patrol agents stop a suspicious vehicle at about 7 p.m. on Interstate 215 near the Muerrieta Hot Springs exit. A K-9 officer was used to search the vehicle and detected possible narcotics.During the search, agents said they located 27 bundles of cocaine stashed inside the vehicle's front and rear seats and underneath seats.The bundles weighed about 70 pounds, with a street value of about 6,450. The driver, a 32-year-old U.S. citizen, was arrested and turned over to Drug Enforcement Administration.The bust capped off drug seizures totaling about 117 pounds within the last 72 hours, according to Customs and Border Protection.“In the last 72 hours San Diego Sector has seized over 117 pounds of lethal narcotics worth more than ,300,000,” said Chief Patrol Agent Aaron Heitke. “Thankfully these dangerous drugs will not reach our local communities.” 1020

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