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If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

If you’re holding onto a Toys “R” Us gift card or store credit, you’ll want to use it very soon.The company recently announced its closing all of its stores, and told Scripps station WRTV in Indianapolis that customers have only until April 15, 2018 to use gift cards.However, it’s a good idea to use them as soon as possible, whether in-store or online, according to the Federal Trade Commission.If you do buy something, consider it a “final sale” and don’t plan on getting a refund if you buy something that doesn’t work.“Even if store credit is an option – you’d want to use that quickly too. If you have questions about refund and return policies, ask before you make any purchase,” said Colleen Tressler, FTC Consumer Education Specialist. “In addition, Toys"R"Us says its other customer programs, including Rewards dollars and Endless Earnings, are being honored for the next 30 days.The?news of the 735 store closures means shoppers can expect discounts as the retailer liquidates.Depending on the timeline, the sales could be modest at first. The biggest discounts will come later.Over nearly seven decades in business, Toys "R" Us has built up 1,600 stores around the world. About 880 of them are in the U.S. 1235

In an episode of his widely popular podcast that was released on Thursday, Joe Rogan repeated the debunked claim that left-wing provocateurs had been arrested for setting wildfires in Oregon.Last week, rumors began spreading on social media that left-wing activists, anti-fascists and members of the right-wing group The Proud Boys were responsible for setting at least some of the wildfires that are currently ravaging the state.The online rumors prompted social media posts from several local law enforcement agencies in which they debunked the rumors and asked local residents to refrain from spreading disinformation. The Douglas County Sheriff's Department even said that rumors of antifa-sparked wildfires caused their emergency disptach system to become overrun.Even the FBI debunked the rumors in a press release on Sept. 11."FBI Portland and local law enforcement agencies have been receiving reports that extremists are responsible for setting wildfires in Oregon. With our state and local partners, the FBI has investigated several such reports and found them to be untrue," the FBI's statement read.But in an episode of "The Joe Rogan Experience" released Thursday, the podcast host repeated the debunked claim to millions of listeners."I actually love Portland, it's one of my favorite places to perform. Most of the people there are very nice. But there's a madness going on there — you want to talk about madness in crowds. That exemplifies that right now," Rogan said."They've arrested people for lighting forest fires up there. They've arrested left-wing people for lighting these forest fires," Rogan added. "You know, air quote 'activists.' This is also something not widely being reported that people have been arrested for lighting fires up there." 1777

If you're not getting a push alert every time someone opens your front door, you're living in the past.Smart-home technology company August just announced new versions of its connected locks and doorbell camera.The company's newest locks have a sensor that can tell when a door is open or closed and send you alerts on your phone. Similar features are already available with smart home kits like SmartThings. 416

Immigration and Customs Enforcement officers arrested 115 San Diego and Imperial County, California residents in a three-day sting targeting federal immigration law violators, officials said Friday.Among the group were 50 convicted criminals and seven people who re-entered the United States after being deported. All but seven of the arrests took place in San Diego County, according to ICE.Those arrested include a Center Street Locos Gang member in Oceanside who had been deported four previous times. He had multiple criminal convictions including grand theft, controlled substance for sale, and driving under the influence.A Kazakhstan citizen wanted by authorities in that country on charges of tax evasion and embezzlement was taken into custody in Oceanside. Interpol had issued a ‘Red Notice’ arrest warrant for him in November.Another high-profile arrest included a Mexican citizen who had served a federal prison term in 2009 after being convicted of illegal re-entry after deportation.  Officials said he had three criminal convictions for spousal abuse and had previously been removed from the U.S. to Mexico on ten prior occasions.  RELATED: ICE arrests 150 in Northern California, blasts Oakland mayor over warningAn immigrant who illegally reenters the United States after having been previously removed faces a felony prison term of up to 20 years, according to ICE. Four of the people arrested in the sting will face federal criminal prosecution for illegal re-entry after deportation. Those who are not facing federal charges may be immediately removed from the United States.“This week’s operation targeted public safety threats, such as convicted criminal aliens, individuals with final orders of removal, those who illegally re-entered the country after being removed, and individuals who have otherwise violated our nation’s immigration law,” said Greg Archambeault, field office director for ICE Enforcement and Removal Operations in San Diego. The three-day sting comes after a report in the Los Angeles Times indicating more immigrants with no criminal history were arrested by San Diego's Immigration and Customs Enforcement from October to December 2017 than anywhere else in the country. ICE officers arrested 1,622 people without criminal records, and 637 people with criminal records in San Diego during the first fiscal quarter of 2018, according to the LA Times.RELATED: San Diego murder suspect was undocument immigrant, sources sayICE said there are public safety targets who have not yet been arrested, including a Mexican citizen convicted of statutory rape and sex with a minor in 2012 and a known gang associate convicted of domestic violence in 2010. Both men had been previously removed from the U.S.In a news release, ICE officials cited California state laws that affect the way the agency operates. 2875

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