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Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063

Madonna announced Tuesday that she is writing and directing a biopic about her life and career.The singer said in a press release that she is co-writing the script with Oscar-winning screenwriter Diablo Cody.“I want to convey the incredible journey that life has taken me on as an artist, a musician, a dancer – a human being, trying to make her way in this world,” said Madonna in the press release. “The focus of this film will always be music. Music has kept me going, and art has kept me alive. There are so many untold and inspiring stories, and who better to tell it than me. It’s essential to share the roller coaster ride of my life with my voice and vision.”The film will look into the Material Girl's rise to fame as an international music star.Universal will distribute the biopic, the press release stated. 826

Many people could probably use a haircut right now, after six months of a global pandemic, but probably not like Ewenice the sheep in Australia. She was recently found wandering with about 4-years of growth needing to be sheared off.The abandoned sheep was found in a heavily wooded area in southeast Australia, roaming on a property with no nearby flock or owner. A person spotted the sheep, burdened with the extra large fleece, and reported it to the Royal Society for the Prevention of Cruelty to Animals, or RSPCA.The RSPCA estimates the sheep, who they named Ewenice, had not been trimmed in about four years.Ewenice was checked over, given a haircut, and sent to a new home. About 44 pounds of wool was sheared off.“Carrying such a large fleece for an extended period of time would have had dire impact on this ewe’s welfare and quality of life. It was fantastic to see her transformation after shearing and to send her on to her new home,” said Head of Inspectorate Terry Ness.Fleece must be shorn regularly because sheep are unable to shed. 1057

MIAMI (AP) — Tropical Storm Wilfred has formed in the eastern Atlantic, becoming the latest storm in an active hurricane season. The storm’s maximum sustained winds Friday morning are near 40 mph. The U.S. National Hurricane Center says slight strengthening was possible during the day but weakening should start over the weekend. Wilfred was centered about 630 miles west-southwest of the Cabo Verde Islands and was moving west-northwest near 17 mph. 460

Microsoft took legal steps to dismantle a system that has allowed criminal hackers to infect more than a million computing devices since 2016, in order to protect the 2020 election.The technology company obtained a court order from a federal judge in Virginia that gives Microsoft control of the Trickbot botnet.Microsoft, along with partners around the world, were able to make it so those operating Trickbot cannot initiate new infections or activate ransomware already in computer systems.Trickbot botnet is a global network believed to be run by Russian-speaking criminals, and is “one of the world’s most infamous botnets and prolific distributors of ransomware” according to a blog post by Tom Burt, Corporate Vice President at Microsoft.Burt says ransomware is “one of the largest threats to the upcoming elections,” and can be used to “infect a computer system used to maintain voter rolls or report on election-night results, seizing those systems at a prescribed hour optimised to sow chaos and distrust.”The move by Microsoft represents a “new legal approach” the company says they are using for the first time.In addition to protecting election systems, Microsoft says dismantling Trickbot will also protect financial services institutions, government agencies, healthcare facilities, educational institutions, and other businesses subject to malware infections. 1382