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SAN DIEGO — The economic fallout from the novel coronavirus is leading to increased opportunities to buy a home or refinance one currently owned. Freddie Mac reported Thursday that the average rate for a 30-year fixed mortgage was 3.29 percent, the lowest in its 50-year history.That's down from 4.41 percent one year earlier. With the new, lower rate, a household with a 0,000 mortgage would save about 0 on their monthly payments. "Anytime there's any sort of any big natural disaster, war threat, that type of thing, the Wall Street money seeks safe havens, and that tends to drive rates down," said Scott Harmes, a senior loan officer at C2 Financial Corp. Harmes said the phones have been ringing off the hook since the rates fell, including for people inquiring to refinance. He said refinances should be evaluated on a case-by-case basis, depending on how much a household owes, how much longer the loan will last, and how long they plan to stay in their home. For those in the market to buy, the lower rates come just as San Diego will enter the spring peak homebuying season. Realtor Michelle Silverman said the higher rates could make the market tighter, but that homes still need to be priced appropriately."A seller can't be greedy," said Silverman, of Coldwell Banker. "If you have a greedy seller, the house is going to stay on the market. If the property is priced right, you're going to get multiple offers, maybe even go above list price, and it will move. It will sell."The rate drop comes after the Federal Reserve lowered its key Federal Funds Rate by 0.5 percent earlier this week in an emergency action. CoreLogic reports that the median home price in the county was 5,000 in January, up 7.9 percent from one-year earlier. 1762

SACRAMENTO, Calif. (KGTV) — California State University's Board of Trustees voted Wednesday to make ethnic studies a graduation requirement.The vote will modify the university's general education requirements to include a course addressing ethnic studies and social justice, according to the college system. The one-course requirement will be implemented in the 2023-24 school year to allow time for faculty to develop plans and coursework."Our goal is for CSU students, from every major and in every workplace, to be leaders in creating a more just and equitable society," said CSU Chancellor Timothy White. "This action, by the CSU and for the CSU, lifts Ethnic Studies to a place of prominence in our curriculum, connects it with the voices and perspectives of other historically oppressed groups, and advances the field by applying the lens of social justice. It will empower our students to meet this moment in our nation’s history, giving them the knowledge, broad perspectives and skills needed to solve society’s most pressing problems. And it will further strengthen the value of a CSU degree."RELATED: Report: Enrollment demand does not warrant Chula Vista CSU campusThe change is the first significant modification to the system's GE requirements in 40 years, amid a nationwide focus at police reform and racial justice.CSU says the requirement can be fulfilled through course offerings that "address historical, current and emerging ethnic studies and social justice issues.""CSU courses on Africana literature, Native Californian perspectives, police reform, disparities in public health and the economics of racism, to name just a few, would meet the new requirement," the university adds, in addition to its traditional ethnic studies curriculum. 1769

SAN DIEGO — Demoralized business owners are venting their frustration and resentment over the new shutdown order meant to help stop the spread of the coronavirusMonday was day one of restaurants doing takeout only, bars, wineries and personal care shuttered, and hotels limiting travelers.This time, however, workers and employers alike feel like they're being hung out to dry."You're shutting us down, it's like, alright, here you go, good luck. That's what it feels like," said Cesar Vallin, who laid off 70 percent of the remaining staff at the Cloak & Petal restaurant in Little Italy. "The future is we're going to be here and we're going to get through this. I have to really question or ask myself if I want to stay in this business."For the second time since March, Cloak & Petal has been relegated to takeout only due to the new shutdown order. Bars, wineries and personal care salons are totally shut down, while hotels may have to turn away away non-essential out-of-state travelers. All of this - without the help of forgivable federal small business loans and a 0 dollar a week boost in unemployment, key stimulus during the first shutdown in march.The state says as of October, more than 118,000 San Diegans worked in food and drinking establishments.At the Intercontinental San Diego hotel on the waterfront, General Manager Chuck Abbott said he had to let go 10 to 20 percent of his staff - now that outdoor dining is outlawed. He expects occupancy to drop into the single digits this week as some leisure travelers cancel due to the order."Every day, every week, every time something else comes out, we have to readjust," Abbott said. "It's just hard."And they'll have to adjust to this reality for at least the next three weeks.Under the order, retail is able to remain open at 20 percent. 1827

SAN DIEGO (CNS) - A construction project at the Edward J. Schwartz Federal Office Building in downtown San Diego will result in a 21-month closure of a portion of Front Street, beginning Saturday.According to the U.S. General Services Administration, a two-block stretch of Front Street, between Broadway and West F Street, will be affected by the construction project, which is expected to last until June 2021. Pedestrian and vehicle traffic will be detoured around the project area.The project will reinforce and enhance the Front Street underpass beneath the Schwartz Federal Building. The project is designed to increase safety for the building's occupants as well as pedestrians and motorists, according to the GSA.The Federal Building's existing framing at the underpass will be reinforced with new steel beams, concrete paneling and column support structures, federal officials said.Signs will be in place on Interstate 5 to alert motorists to the closure as they enter downtown. The easternmost lane of Front Street between Broadway and E Street will provide access to the underground parking garage at 101 West Broadway and for turning city buses.Construction work hours will be from 7 a.m. to 5:30 p.m. except on weekends and holidays.The roadwork will be completed first, followed by pedestrian walkways with full-height walls to separate the road from walkways, according to the GSA."One of our strategic goals is better management of federal real estate and this GSA construction project allows for that while also being a catalyst for downtown revitalization," said GSA Regional Administrator Tom Scott. "By enhancing the Schwartz Federal Office Building's structural integrity, we're also providing a safer public space in partnership with the community." 1779

SAN DIEGO (CNS) - A comprehensive outreach strategy to expand testing access for Latino residents and other communities hardest hit by the COVID-19 pandemic was announced Friday by local leaders.The new program will kick off on Monday, with a new testing site at the Mexican Consulate in downtown San Diego at 1549 India St. Starting at 8 a.m., walk-up appointments will be available until 3:30 p.m., according to the announcement from San Diego County Supervisor Nathan Fletcher, Carlos Gonzalez Gutierrez, Consul General of Mexico in San Diego and other local leaders."We are prioritizing our response to health inequities in the Latino community by prioritizing efforts to help address accessibility barriers that are contributing to Latinos being disproportionately impacted by this pandemic," Fletcher said. "Whether you live in the south, north or east of our county, you should have access to testing and resources to prevent and treat the spread of COVID-19."The consulate will be the first of several locations in a 14-day rotation. Two other confirmed sites include San Luis Rey Church in Oceanside and St. Anthony of Padua in National City. Dates, times and additional locations will be announced as soon as they are finalized.According to the group, by working with partners like the consulate, Catholic Diocese of San Diego, the Chicano Federation and others, this testing initiative will enhance San Diego County's regional effort to expand coronavirus testing and outreach in the Latino community."The consulate is proud to be part of the efforts to encourage testing and diagnosis among the Latino community, a community that, unfortunately, has been disproportionately hit by COVID-19," said Gonzalez Gutierrez. "Part of what is necessary for our community to reach out to testing sites is for them to feel safe and understand that they can access public health services regardless of their migratory status."Nancy Maldonado, executive director of Chicano Federation, and Barbara Jimenez, general manager of the central and south regions of the County Health and Human Services Agency, joined the politicians Friday to announce the new testing site and the overarching strategy."This testing site will allow us to reach an important population," said Jimenez. "Until we have a widely available vaccine, testing will remain an absolutely critical part of our public health response." 2407