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The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More 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. 3623

The novel coronavirus pandemic is impacting normal routine, and that includes elections.By now, both presidential campaigns would traditionally be crisscrossing the country, holding rallies for thousands in various swing state cities. But that's not the case.TRUMP'S STRATEGY VS BIDEN'S STRATEGYPresident Donald Trump has stopped rallies following his appearance in Tulsa, Oklahoma, where crowds did not meet expectations. However, the president is using the power of the office to still travel to swing states and hold official White House events. In the last three weeks, President Trump has held official White House events in Texas, North Carolina, Georgia, Florida and Ohio. Meanwhile, the Democratic nominee, Joe Biden, has suspended virtually all swing-state travel. Biden has made several speeches in Pennsylvania, but that is a quick drive from his home in Delaware. Instead, Biden has campaigned virtually, holding online streaming events, while granting interviews to several local television stations in swing states. IS BIDEN'S STRATEGY WORKING? President Trump has attacked Biden's strategy, saying the former vice president "won't get out of his basement." The Biden campaign believes it is has energized supporters. "We are campaigning in a way that we can keep our supporters, our staff safe, but we are still getting the vice president’s message out," TJ Ducklo, press secretary for the Biden campaign, said. When asked if Biden supporters may get tired of virtual events by the November election, Ducklo said, "We are seeing an incredible amount of support throughout the country."WHAT OUR REPORTERS ARE SAYINGTo get insight into whether the Biden strategy is working, we asked Scripps' political reporters in Detroit and Cleveland to ask their sources."I don’t know if the virtual events are mobilizing voters beyond those that are already mobilized," said John Kosich, political reporter with WEWS in Cleveland."I think the novelty of politics as a whole has worn off," weighed in Brian Abel, a political reporter with WXYZ in Detroit. "People are ready to cast their votes." 2104

The President's eldest son Donald Trump Jr. downplayed Monday a 2016 meeting between top campaign aides to his father and a Russian lawyer, saying the highly scrutinized engagement "ended up being about essentially nothing that was relevant" to questions of collusion.The remarks, which came during a friendly interview on The Laura Ingraham Show, came after President Donald Trump wrote on Twitter the June 2016 meeting was intended to get damaging information on his Democratic opponent Hillary Clinton — contradicting a statement he dictated when the meeting came to light a year ago.In the interview Monday, Trump Jr. said the session lasted 20 minutes, and maintained the central focus was on adoptions — even as he conceded the Clinton dirt was how the Russian lawyers secured the meeting in the first place. 822

The Kansas City Chiefs announced Thursday that an ongoing, multi-year conversation with groups of people from "diverse American Indian backgrounds and experiences" has resulted in several changes that will be implemented this season at Arrowhead Stadium.Under the Chiefs' new policy, fans will be prohibited from wearing headdresses, which the team previously only discouraged, and also will be barred from wearing face paintings that reference or “appropriate” American Indian cultures.Some fans said the changes couldn't have come soon enough."It’s been a long time coming to make some change there," Danny Sandage said. "I think change needs to occur."Most fans aren't surprised by the Chiefs' decision."I think we have to be more mindful about images that can be offensive to people," Summer Friedman said.Nor do they think it will detract from the Arrowhead experience."I know people are very rah-rah about the whole costume, the get-up and everything like that," Jean-Luc Monroe. "But to be honest with you, I'm just there to enjoy football. I could really care less about head dresses in face paint."Leaders and students Haskell Indian Nations University have previously asked the Chiefs to prohibit behavior that they believe mocks their culture."(In) 2020, there should be no excuse that this racist mockery is still taking place," Jimmy Lee Beason II, who teaches in Haskell's Department of Indigenous and American Indian Studies, said.He believes the changes the Chiefs announced are a step in the right direction toward ending the degradation of Native Americans."It pigeonholes us in this kind of savage bloodthirsty stereotype, and the problem with that is not a lot of people know about native people," Beason said.The team continues a “thorough review process” of the "Arrowhead Chop," which is what the team calls the Tomahawk Chop that is also used at Florida State and Atlanta Braves games among other venues.The team says it hopes to have additional discussions on the "Arrowhead Chop" in the future. Beason hopes it will banned as well."It encourages this behavior on the part of the fan base to continually just disrespect us and not actually look at us like actual human beings," Beason said. "We’re always viewed as these one-dimensional caricatures who are now stuck somewhere in the past."More immediately, the team says it is working to “shift the focus” of the drum to represent the heartbeat of the stadium.“We are exploring all options for a modified engagement moment from the Drum Deck that maintains a unifying effect between our fans and our players but better represents the spiritual significance of the drum in American Indian cultures,” the team said in the statement.The team plans to continue — in collaboration with the Kansas City, Missouri, Health Department — other traditions, including the Blessing of the Four Directions, the Blessing of the Drum and inviting tribes with historic connections in the area to participate in the team’s American Indian Heritage Month Game.“We are grateful for the meaningful conversations we have had with all of these American Indian leaders,” the team said. “It is important that we continue the dialogue on these significant topics, and we look forward to continuing to work together in the future.”This story was first reported by Andres Gutierrez and Sam Hartle at KSHB in Kansas City, Missouri. 3386

The pandemic forced us all to make changes to how we work and learn. It also forced trade schools to find new ways to teach people their crafts.Students who attend Laguna College of Art and Design in California spend a large amount of time in a studio setting, at least they did.When the pandemic hit, faculty had to find a way to create the studio experience virtually.Some of the challenges have been giving students feedback, allowing them to see the work of fellow students and the dialogue that comes with it.“These types of interactions, they're intuitive, they're organic, they flow,” said Hope Railey, chair of fine arts at LCAD. “It’s just part of the day, so now those types of interactions need to be planned.”Railey says 6-hour studio classes take faculty 12 hours or more to put together.She says instructors use pre-recorded lectures and lessons so they can do one-on-one meetings with students.She admits it’s a work in progress, but says students are getting invaluable life lessons through all of it.“They're experiencing some of what life is like after a BFA program,” said Railey. “They're experiencing some of the challenges and kind of facing those challenges and the good thing is, they're getting services and help, like detailed granular help.”Railey says students are helping themselves by asking more questions about how to do things once they finish school, like how to do certain research.She also says doing classes over Zoom allowed the school to bring in artists and speakers they wouldn't normally be able to use. 1553

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