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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

Researchers say that there are thousands of bugs in Christmas trees.In fact, there could be as many as 25,000 bugs in an average tree.Researchers say the bugs are not dangerous and very small. They suggest checking for eggs on trees before choosing one to take home. Also, you may want to leave it in a garage for a few days before taking it inside.Las Vegas Fire & Rescue shared several Christmas tree safety tips on their Facebook page recently.They suggest picking a tree with fresh needles, not placing trees near a heat source, daily watering and turning off lights when not at home or asleep. 615

President Donald Trump says his campaign will join an improbable case before the Supreme Court challenging election results in Pennsylvania and other states that he lost.That word comes as he tries to look past the justices’ rejection of a last-gasp bid to reverse Pennsylvania’s certification of Democrat Joe Biden’s victory. The high court has asked for responses by Thursday.The suit from the Texas attorney general, Republican Ken Paxton, demands that the 62 total Electoral College votes in Georgia, Michigan, Pennsylvania, and Wisconsin be invalidated. Legal experts dismiss Paxton’s filing as the latest and perhaps longest legal shot since Election Day, and officials in the four states are sharply critical of Paxton.On Thursday, Trump’s official schedule includes a lunch with state attorneys general. Seventeen Republican attorneys general have joined the Paxton/Trump suit.The lawsuit is a last-ditched effort to overthrow the results of the election, which saw more vote cast for Biden than any other candidate in American history.Trump and his legal team has continued to allege that Biden fraudulently won the election. So far, Trump’s legal team has not been able to substantiate any fraud allegations in court, prompting one federal judge appointed by Trump to write in an opinion, “Charges of unfairness are serious. But calling an election unfair does not make it so. Charges require specific allegations and then proof. We have neither here,” 3rd Circuit Judge Stephanos Bibas wrote. Bibas was appointed by Trump to the federal bench in 2017.Last month, a joint statement released by federal and state officials described the presidential election as the “most secure in American history.”The letter was signed by leaders of the Department of Homeland Security’s Cybersecurity and Infrastructure Security Agency, the U.S. Election Assistance Commission and the National Association of State Election Directors, among others. The Cybersecurity and Infrastructure Security Agency was established two years ago as a branch of Homeland Security during the Trump administration.In bold, the authors of the statement wrote, “There is no evidence that any voting system deleted or lost votes, changed votes, or was in any way compromised.” This statement matches those from secretaries of state and boards of election throughout the US.In response to the letter, Trump fired US election security head Chris Krebs. 2434

RANCHO SANTA FE, Calif. (KGTV) - A custom-built Rancho Santa Fe home with spectacular hilltop views is for sale for ,850,000.The estate is located in a gated community on one of San Diego’s highest points.With features like a Sub-Zero fridge, double oven, and two dishwashers, the home is optimized for entertaining.HOUSE TOUR: Rancho Santa Fe home high on a hilltopThe home is listed by Joy Bender and Robert Aumann with Pacific Sotheby’s Realty.7804 Camino de ArribaBedrooms: 4Full baths: 4Partial baths: 2Square feet: 6,804 536

President Donald Trump used an odd example Tuesday night to call for stronger voter ID laws, saying that identification is required for buying groceries.There is no such requirement."We believe that only American citizens should vote in American elections, which is why the time has come for voter ID, like everything else. Voter ID," Trump told the crowd of supporters gathered at the Florida State Fairgrounds. 420

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