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RANCHO CUCAMONGA, Calif. (KGTV) -- The ex-husband of former Army veteran Julia Jacobson pleaded guilty Monday to a 2nd-degree murder charge.Dalen Ware will be sentenced October 15 and faces 15 years to life in prison.Jacobson disappeared over Labor Day weekend in 2017 and is believed to have been murdered along with her dog, Boogie.RELATED: Human remains found in shallow grave during search for missing San Diego woman  Jacobson’s car was later discovered abandoned near her home in University Heights.In December of 2017, Ontario Police discovered the remains of a woman and a dog in a shallow grave along Interstate 10.Jacobson's family posted a message on a public Facebook page following the news:  733

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

REDWOOD CITY, Calif. (KGTV) -- A sea lion is resting after being rescued from a parking structure in Redwood Monday. According to the Redwood City Fire Department, the sea lion was rescued from a parking structure. The 5-month-old pup, named Santos by the department, made it back to the fire station where he posed for pictures before taking a nap. RELATED: Sea World employees rescue Sea lion strangling from plastic ribbon on Boomer's BeachThe department says Santos was later picked up by the Marine Mammal Center. The center plans to monitor and treat Santos before being released. 595

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

Public transit across the country has seen a roller coaster of ridership since the pandemic first hit. Now, it looks to the future and the hope that riders return."A lot of medical workers ride transit every day, people who work in distribution centers, grocery stores, these are people who keep cities running, and we really need transit to carry these workers through the depths of this pandemic," said Ben Fried of Transit Center, a non-profit that advocates for better public transportation in American cities.Fried says public transit nationwide has seen fewer riders than normal ever since stay-at-home orders were first enacted."We have seen transit climb back a little bit in terms of ridership. At the peak, it was down 90-95%. Now, depending on the system, it's typically down about 75% of normal rates," Fried said."(We've seen) a significant decrease. We normally carry 400,000 riders a day. We saw that drop to 100,000 early on," said Terry White, the Interim General Manager of King County Metro in Seattle.White said King County had to cut unused bus routes and then add service to the southern region of the county, which still saw a high number of passengers during the height of the pandemic."(We) almost didn't miss a beat in terms of the ridership coming out of that area," White said. "So, we assume there are a lot of folks in those areas that have to get to these essential services, food, healthcare, frontline jobs you can't do from home."While public transportation departments across the country reorganize their transit routes and implement new safety, cleaning and social distancing efforts on buses and subway cars, they're concerned about how the future of public transit will look. Fried hopes more people realize public transportation is still safe during the pandemic.Fried pointed to New York City as an example."Transit ridership has really increased a lot since the depths of the pandemic," Fried said. "We're not back to normal by any means, but as transit ridership has increased, we have not seen a spike in COVID cases. So, that's one indication transit may be safer than people think it is."Still, the overall decline in ridership isn't good for public transportation agencies' bottom lines."Transit agencies depend on revenue from a variety of sources," Fried said. "It's a mix of fare revenue, dedicated taxes, so like a local sales tax, a percentage of which will go to transit, and state and local government support and all three of these are getting hammered various degrees from COVID."In Seattle, King County Metro depends on local sales tax and money made from bus and subway fares to keep them going."Really, our outlook for the next 10 years in this COVID pandemic situation has us in a situation where we will have to make up probably about billion over the next ten-year period," White said.Recently, King County Metro laid off 200 part-time employees while also offering early retirement incentives to some full-time workers, despite receiving a good chunk of money from the CARES Act. Fried is advocating for more federal help to keep public transit moving.As the pandemic moves forward, Fried hopes passengers start to get comfortable with using public transportation again."I think the number one thing to realize is that our collective health and safety is dependent on people wearing masks," he said. "It's true in shared space, and it's true in transit."Fried hopes ridership in the U.S. can get back to normal levels soon, but King County Metro doesn't think that will happen anytime soon. 3563