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For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

FREDERICK, Colorado – Chris Watts, the Colorado man who is now accused of killing his pregnant wife and their two daughters, gave an interview to KMGH?television station in Denver on Tuesday, a day after the three were reported missing.In the interview, he tells a detailed version of what he claims happened when Shanann Watts and their daughters Bella and Celeste went missing, including that he and his wife “had an emotional conversation” before he allegedly last saw her. He also made a direct plea for Shanann and the girls to come home.You can watch the full interview in the players embedded above this story or below this sentence. The full transcript of the interview can be found below that. 720

Firefighters battling the West Coast wildfires say this year's blazes are some of the worst they have ever seen.They say the fires are taxing the human, mechanical and financial resources of the nation's wildfire fighting forces to an extraordinary degree. And half of the fire season is yet to come.Heat, drought and a strategic decision to attack the flames early combined with the coronavirus to put a historically heavy burden on fire teams.Justin Silvera is a 43-year-old battalion chief with Cal Fire, California's state firefighting agency. He says new fires break out before existing ones are contained.“There’s never enough resources,” said Silvera, one of nearly 17,000 firefighters in California. “Typically with Cal Fire we’re able to attack — air tankers, choppers, dozers. We’re good at doing that. But these conditions in the field, the drought, the wind, this stuff is just taking off. We can’t contain one before another erupts.”According to The Associated Press, fire crews have been summoned from at least nine states and several other countries, including Canada and Israel. Mutual agreements for agencies to offer assistance have been maxed out at nearly all levels of government."We know that there's really nothing left in the bucket," Washington State Forester George Geissler told The Associated Press. "Our sister agencies to the south in California and Oregon are really struggling."Western states have been seeking assistance in fighting wildfires since mid-August. On Aug. 19, California, Gov. Gavin Newsom asked for assistance from other states in fighting fires, saying that resources were already "stretched." Since then, hundreds of thousands of acres have forest has continued to burn.The Associated Press also reports that experts believe the COVID-19 pandemic has contributed to the historic fire season. In June, U.S. Forest Service Chief Vickie Christiansen issued a directive to aggressively fight all fires, hoping to minimize the need for large groups of firefighters before blazes got out of control.However, experts say that the directive allowed forest fire fuels that would have typically already burned to build up, allowing the fires to spread more quickly in recent weeks.Officials hope that cooler, wet weather in the Pacific Northwest could assist firefighters in containing blazes in the coming days. However, forest fire season lasts through October on the West Coast, meaning officials still face an uphill battle. 2475

FORT COLLINS, Colo. – Colorado State University says it “deeply regrets” the experience two Native American teens underwent on a campus tour earlier this week, but says it has been unsuccessful in getting ahold of the family.“Early this week, University officials reached out directly to the family of the young men & their high school. We’d like the opportunity to speak w/Ms. Gray & her sons but we have not heard back from the family. We ask them to please get in touch with us at their convenience,” the university said in a string of tweets posted to its official Twitter account.“We will refund any expenses they incurred traveling to CSU. We deeply regret the unwelcoming and concerning experience they had while guests on our campus,” the university added. “The Office of Admissions, Office of the Vice President for Diversity, Native American Culture Center, and CSU Police Department all are reviewing how such an incident can be avoided or handled differently in the future.” 1002

Florida State University notified students Wednesday afternoon that Spring Break 2021 is canceled.FSU said the move is in an effort to keep students and staff safe and healthy.Under the new plan, the Spring semester will begin on January 6, 2021, the first three days of which will be taught remotely.As a result of canceling Spring Break the Spring semester will now end on April 23, 2021, a week earlier than planned.The letter reads as follows:"As our highest priority remains the health and safety of our students, faculty and staff, Florida State University has adopted a new calendar for the Spring 2021 semester.The semester will still begin Wednesday, Jan. 6, 2021, however, the first three days of classes will be taught remotely. The university has canceled Spring Break in 2021. As a result, the semester will end Friday, April 23, 2021, a week earlier than originally planned.The university continues its efforts to mitigate the spread of COVID-19, and we believe these adjustments will reduce the potential for members of the campus community to return to Tallahassee with the virus after traveling during spring break.Thank you for your patience and flexibility as we work together to provide a healthier and safer environment for the entire campus community."This story was first reported by WTXL in Tallahassee, Florida. 1344

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