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Rising prices and plummeting listings — not to mention a global pandemic, record unemployment and recession — didn’t keep first-time home buyers from the market in the second quarter of 2020.Ordinarily, in April, as the second quarter of the year begins, homebuying season is well underway, and inventory and prices are both rising toward a summer peak. But the second quarter of 2020 was unusual, to say the least.Across the nation and among the most populous metropolitan areas, prices increased modestly in the second quarter and inventory became even more constrained in an already sparse market. Homeowners who’d been planning to sell reconsidered — though listings ticked up slightly in April, they fell sharply in May and June — and people who’d been thinking of buying, at a minimum, took a beat. But real estate professionals scrambled to implement virtual tours and finalize home purchases in parking lots, and market participants, particularly economically secure buyers, cautiously came out of hiding.Lured in part by record low mortgage rates, first-time home buyers made up 35% of existing home sales in June, according to the National Association of Realtors, a higher share than in the past several years. For first-timers who have stability in the COVID-19 economy, and the wherewithal to stomach a highly competitive market, buying can still make sense.In this quarterly report, we analyze median incomes in the first-time home buyer age range (25-44) compared with listing prices among the 50 most populous metro areas to come up with an affordability ratio. Budgeting for a home that costs roughly three times your annual income (an affordability ratio of 3.0) has been a rule of thumb for years, but first-time buyers often have to stretch beyond this to account for higher prices in metro areas and their lower incomes compared with repeat buyers. By weighing the affordability ratio versus home availability in the largest metro areas, we can get an idea of the conditions first-time buyers are facing when they set out to become homeowners.By looking at both quarter-over-quarter and year-over-year changes, we can get a better picture of the effects of the COVID-19 economy on this year’s homebuying market. The former can provide insight into chronological market responses to the pandemic — our first-quarter affordability report captured data only through March, just the beginning of 2020’s atypical spring season. The latter can show how this year’s second quarter contrasts with similar periods in relatively normal times.Affordability down overallHouses got slightly more out of reach for first-time home buyers in April through June, rising nationally from 4.5 times first-time home buyer income in the first quarter to 4.7 times in the second, and among the 50 largest metros from 5.1 to 5.2 times first-time buyer income. This trend is expected at this time of year. Home prices rise as the housing market heats up in the late spring and summer, but incomes don’t rise in a similar seasonal fashion. If anything, we might’ve expected a more dramatic change, but economic uncertainty on the part of sellers could have kept steeper list price increases at bay.Nine of the 50 metros analyzed bucked this trend and saw affordability improve, but barely, sometimes only by a fraction of a percent.The five most affordable metros for first-time home buyers in the second quarter include Pittsburgh (homes listed at 3.1 times first-time buyer income), St. Louis (3.4), Cleveland (3.5), Hartford, Connecticut (3.5), and Buffalo, New York (3.6). The least affordable, all in California, include Los Angeles, topping the list for the second quarter in a row, with homes listed at 12 times first-time buyer income; San Diego (9.0); San Jose (8.2); San Francisco (7.6); and Sacramento (6.6).First-time buyer guidance: Homes get less affordable in late spring to early summer, and in this regard, the second quarter of 2020 is no different. First-time buyers who are economically secure may be able to make up for the rise in home prices by qualifying for record low mortgage rates. For example, the monthly payment on a 0,000 mortgage at 4.1% interest — roughly the average rate a year ago — is ,160 per month, with 7,483 in interest over the 30-year life of the loan. However, at today’s rate of 3.1%, you’d pay ,025 per month and 8,942 in interest over the life of the loan — nearly ,000 in savings, total, and a 5 monthly break on your payment. Use a mortgage calculator to see what the difference in rates means for your budget.Unseasonal scarcity in the second quarterEven in years when supply is limited, an influx of homes hits the market during the spring homebuying season. Nationally, inventory grew 10% from the first to the second quarter of 2018, and 6% during that period last year. But in 2020, nationwide inventory dipped, albeit slightly, by about 2% quarter-over-quarter.Half of the largest metros in the country saw a decrease in average active listings from Q1 to Q2, with the largest quarter-over-quarter declines in Cleveland (-17%), Louisville, Kentucky (-14%), and Memphis, Tennessee (-14%). However, other large metros saw remarkable increases: San Jose (+62%), Denver (+47%) and San Francisco (+39%), for example. These dramatic climbs helped push the average quarter-over-quarter change among the largest 50 metros to +4%.Stepping back to look at year-over-year changes and how the supply of homes changed from Q2 2019, we found inventory dropped 23% among the 50 largest metros, on average, with 21 metros witnessing a decrease in available homes of 25% or more. Active listings in Las Vegas decreased 8%, the smallest quarterly drop of any metros analyzed and the only one of less than 10%.We’ve been in a strong seller’s market for some time now, as the supply of homes hasn’t kept pace with demand. Having fewer homes hitting the market during the first months of the pandemic only stood to worsen the situation. A highly competitive market has grown even more so, and buyers without room to negotiate could be priced out entirely.First-time buyer guidance: If you’re at all uncertain about your economic security this year and buying would mean an increase in overall housing costs or leave you with no source of emergency funds, you may want to postpone your first home purchase. The low supply of homes means you’re less likely to find a home that checks all the boxes on your wish list. A loss of income, a bout of poor health or caring for a sick loved one could be overwhelming on top of a down payment, closing costs and the expenses associated with moving.Home prices rise, as expectedWe expect prices to rise as the housing market heats up, and if 2020 is sticking to the script in any way, this is it. From the first quarter to the second, national median list prices grew 7% in 2018 and 8% in 2019. This year, they grew 7% nationally, and slightly less, 5%, on average, among the largest metros, quarter-over-quarter.Year-over-year growth was similar, rising about 3%, on average, among the 50 largest metros, after adjusting for inflation.This overall relatively unremarkable growth in prices is one silver lining for first-time buyers. Having a dramatic shortage of homes for sale could drive prices up, but it doesn’t appear that sellers are listing their homes disproportionately higher than last quarter or than at this time last year. That said, list prices are only part of the story, and there’s little doubt that the lack of supply is driving hard bargaining in the negotiation process.First-time buyer guidance: The price you see on a listing doesn’t tell the whole story. If you’re shopping in a seller’s market, be ready to act fast with an offer and compete with other buyers. You may end up paying more than list price, so shopping for homes listed under your max budget will give you a little more wiggle room if you find yourself in a bidding war.Metro spotlight: Cincinnati, Cleveland and ColumbusOhio has three metro areas in our analysis. It was also among the first states to begin canceling large events, declare a state of emergency and issue statewide restrictions to slow the spread of COVID-19. These factors may have played a role in changes in the local housing markets.Cincinnati, Cleveland and Columbus were some of the more affordable populous metros in the second quarter, with home prices averaging 4.7, 3.5 and 4.5 times the median first-time home buyer income, respectively. Even so, all three showed rising prices compared with the same period last year. Median home prices in Cincinnati rose 12%, the third-highest increase of all metros analyzed.But the big story in these Ohio metros is a lack of availability. Though inventory among all metros analyzed fell 23%, on average, compared with last year, it fell 34% in Cincinnati, 33% in Cleveland and 25% in Columbus.When comparing this quarter’s listed homes with last quarter’s, we find a similarly dramatic decrease. Cleveland saw the largest quarter-over-quarter dip in active listings among all metros analyzed: inventory fell 17% from the first quarter. Active listings fell 10% in Cincinnati and 7% in Columbus at the time of year when most markets would typically be flooded with home listings.The one thing saving buyers from being completely locked out of homeownership: affordability. So while finding a home will prove tricky due to a lack of inventory, homes on the market are more likely to be within budget for first-time buyers.Analysis methodology available in the original article, published at NerdWallet.More From NerdWalletMortgage Outlook: A Light Lift to September RatesSmart Money Podcast: Lower Mortgage Rates, and Moving During a PandemicMortgage Outlook: Recession Presses Down on August RatesElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 9901

RICHMOND, Va. – A military veteran who died of a heart attack while onboard a Richmond city bus was robbed while unconscious. Several burobbed while unconsciouss riders jumped in to help the man while he went into cardiac arrest, but they ultimately got off the bus, with the exception of one.Police say 20-year-old Demontea Chappell stayed behind under the guise of giving aid but was seen on camera taking the man's wallet.A video reveals the heartbreaking details."Pop? What you name is Pop?" said a young man, as the older bus passenger struggled unconsciously and not breathing."Trying to find his wallet. Where the wallet at?" that young man continues.Chappell, according to police, was acting as if he was giving aid to the Air Force veteran, but the bus video showed he went inside the man’s wallet and then slid the cash into his own pocket.Sources told WTVR's Jon Burkett that the veteran always carried cash, but how much money he had that day was unknown.Police now have a warrant for Chappell's arrest.The veteran died on the bus near the corner of First and Federal last Thursday morning.Sources tell WTVR that after family members questioned why their loved one’s wallet was empty, officials with the Greater Richmond Transit Company (GRTC) went to the recordings and alerted police. The investigation led police to Chappell, who is still on the run.GRTC is helping police in this investigation. If you know the whereabouts of Damontea Chappell, call the police.This story was originally published by Jon Burkett at WTVR. 1544

REUNION, Fla. – The Los Angeles Lakers are this year’s NBA champions.The L.A. team defeated the Miami Heat 106-93 in Game 6 of the NBA Finals Sunday night, marking the team's 17th NBA title, tying the Boston Celtics for the record.This also marks LeBron James’ fourth NBA championship win. He previously won with the Heat in 2012 and 2013, as well as in 2016 with the Cleveland Cavaliers.Game 6 was also the 260th of James’ playoff career, lifting him into sole possession of first place on the league’s postseason appearances list. After missing the playoffs in his first two seasons, James has reached the postseason 14 times in 15 years.The 2019-2020 season was unlike any other before. First, it was suspended when the COVID-19 pandemic started in March. And then it resumed, with games played at the ESPN Wide World of Sports Complex near Orlando, Florida. 869

SACRAMENTO, Calif. (AP) -- Arnold Schwarzenegger and three other former California governors have joined Gov. Gavin Newsom in a video campaign promoting use of face coverings to prevent spread of COVID-19.The public service announcement released Monday also features Jerry Brown, Gray Davis and Pete Wilson.The message is that nobody wants to wear masks but COVID-19 is still spreading and halting it is important to keeping people safe, reopening businesses and putting people back to work.The video follows Newsom's recent order requiring Californians to wear masks in high-risk settings.Schwarzenegger tells viewers wearing a mask is not about being weak and they should just do it. 693

RICHMOND, Va. (AP) — Jerry Falwell Jr. has sued Liberty University, alleging the evangelical school founded by his late pastor father damaged his reputation in a series of public statements that followed his resignation as president and chancellor in August amid a series of scandals.The lawsuit filed in Lynchburg Circuit Court on Wednesday includes claims of defamation and breach of contract. Falwell took an indefinite leave of absence from his role as president and chancellor of the university back in August after he posted a photo on Instagram of himself and a woman, not his wife, with both of their pants unzipped while on his yacht.Falwell began serving as president of the Lynchburg, Virginia, university in 2007.The lawsuit alleges that Liberty officials accepted what Falwell says are false claims about his involvement in an extramarital affair between his wife and a business partner of the couple's and "moved quickly" to destroy his reputation."When Mr. Falwell and his family became the targets of a malicious smear campaign incited by anti-evangelical forces, Liberty University not only accepted the salacious and baseless accusations against the Falwells at face value but directly participated in the defamation. This action seeks redress for the damage Liberty has caused to the reputation of Mr. Falwell and his family," the lawsuit says.K. Todd Swisher, Circuit Court clerk for the city of Lynchburg, provided The Associated Press with a copy of the complaint, which contains a limited number of redactions in sections pertaining to Falwell's employment agreement. Swisher said there would be a hearing within a week for a judge to consider whether an unredacted version of the complaint should remain sealed.Liberty spokesman Scott Lamb said the school, which had not yet been served with the lawsuit, would have a formal statement in response later Thursday. The school's board of trustees has been meeting this week.An attorney for Falwell did not respond immediately to a telephone message left Thursday, and Falwell did not respond to a voicemail and text seeking comment.Falwell left Liberty in August after Giancarlo Granda, a younger business partner of the Falwell family, said he had a yearslong sexual relationship with Falwell's wife, Becki Falwell, and that Jerry Falwell participated in some of the liaisons as a voyeur.Although the Falwells have acknowledged that Granda and Becki Falwell had an affair, Jerry Falwell has denied any participation. The couple alleges that Granda sought to extort them by threatening to reveal the relationship unless he was paid substantial amounts of money.Before his resignation, Falwell had already been on an indefinite leave of absence after an uproar over a photo he posted on social media of him and his wife's pregnant assistant, both with their pants unzipped.Falwell said it was taken in good fun at a costume party during a vacation, but critics saw it as evidence of hypocrisy by the head of an institution that holds students to a strict moral code of conduct.Shortly after Falwell's departure, Liberty announced it was opening an independent investigation into his tenure as president, a wide-ranging inquiry that would include financial, real estate, and legal matters.Earlier this month, the school identified Baker Tilly US as the firm handling the investigation and announced the launch of a website to "facilitate the reporting of potential misconduct to the investigative team."Falwell has declined to answer questions from the AP about the size of the exit package he received from the university but has discussed the issue with other news organizations, which reported that he was set to receive .5 million. However, Liberty said in a statement last month that it paid Falwell two years of base salary and disputed "media reports regarding the size and terms" of Falwell's contract.In an August interview with the AP, Falwell said that the school's board had been "very generous to me" but raised concerns that they were "being influenced by people who really shouldn't have a say" about the future direction of Liberty.In the lawsuit, Falwell claimed that Liberty "turned on" him after Granda went public with his allegations, forcing his resignation. The lawsuit also says Liberty rejected Falwell's attempts "to reach an amicable resolution," forcing Falwell to turn to the court to "restore his reputation."The lawsuit says Liberty's statements have harmed not only Falwell's reputation but also his future employment prospects and business opportunities. Falwell now has a "drastically reduced ability" to attach his name to business and charity organizations, and he has stopped receiving previously frequent invitations to appear on TV to discuss Liberty, evangelicalism, and politics, the lawsuit says.The lawsuit further alleges that "Liberty's actions are antithetical to the teachings of Christ." Falwell's attorneys charge the university with hurting its own standing and that of the broader evangelical community "by playing right into the hands of sinister operatives with ulterior motives."Falwell's acrimonious departure from Liberty came four years after his endorsement helped burnish the reputation of then-presidential candidate Donald Trump among conservative evangelical Protestants. That group has since become a critical part of the president's political base. The public Falwell-Trump alliance that marked 2016 is not visible in this year's election, as the president looks to other prominent evangelical surrogates.Named in the lawsuit as amplifying Granda's claims is The Lincoln Project, a group founded by prominent GOP critics of Trump. A Lincoln Project adviser had provided public relations help to Granda after he went public with his allegations about a sexual relationship with Becki Falwell, although the group said Thursday that it "has had nothing to do with the public finally learning about the true character of the Falwell family." 5981

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