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Michael Rotondo, 30, thought he could eek out just a few more months under his parents' roof, but a New York judge ruled on Tuesday it's time for Rotondo to move out. According to the Syracuse Post-Standard, Rotondo gained praise from the judge for the legal arguments he made in court. But after a 90-minute debate, which included Judge Donald Greenwood trying to convince Rotondo to move out on his own, the judge ruled that it was legal to immediately evict the 30-year-old. Rotondo's parents had given him several notices to leave. At odds was Rotondo's belief that he was entitled to a six-month period after being formally notified that he was being evicted. The judge ruled that a six-month provision does not apply to family members. Rotondo???????'s said he was simply not ready to leave a bedroom in his parents' house. This being despite not being on speaking terms with is parents. Greenwood asked the parents to present the judge with an eviction notice that he could sign that would allow Rotondo a reasonable amount of time to move out.  1135

LOUISVILLE, Ky. — Authorities are investigating a fatal shooting at a park in downtown Louisville, Kentucky, where demonstrators had gathered to protest the death of Breonna Taylor. Police said one male died at the scene at Jefferson Square Park and another person was found with non-life-threatening injuries across the street. Video posted on social media appeared to show a man opening fire into the park. The footage later showed at least one person bleeding profusely on the ground. The park has for weeks been the epicenter for protests in the city after the police killings of Taylor and George Floyd. Taylor was killed in her Louisville home by police serving a no-knock warrant. 695

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

LOUISVILLE, Ky. (AP) — A prosecutor is dropping a felony charge against dozens of protesters who gathered at the Kentucky Attorney General's home to demand justice in Breonna Taylor's death. The group of protesters included civil rights leaders, "Real Housewives of Atlanta" star Porsha Williams, and Houston Texans football player Kenny Stills. Attorney General Daniel Cameron's office is heading an investigation into the fatal shooting of Taylor by police who were conducting a no-knock warrant. Jefferson County Attorney Mike O'Connell dismissed the felony charge Friday. He says police had probable cause for the charge, but he decided to dismiss it "in the interest of justice and the promotion of the free exchange of ideas." 740

LOUISVILLE, Colo. – Colorado-based engineering company BDI performed structural monitoring in recent days during the moving of the bridge that collapsed Thursday at Florida International University.At least eight cars were smashed and nine people were transported to area hospitals when the bridge, which was only installed Saturday, collapsed onto the roadway below Thursday. Six people were killed.According to CNN, the .2 million bridge was designed to withstand Category 5 hurricanes and last for upwards of 100 years.After the bridge collapsed, BDI deleted a tweet that was sent March 12 in which the company touted its structural monitoring of the bridge while it was moved. But the tweet was captured by a Miami reporter before it was deleted. 761

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