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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

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) — California Gov. Jerry Brown has sworn in former top adviser Joshua Groban to the state Supreme Court in what aides say is likely to be his final public appearance before leaving office next week.Brown has now placed four justices on the seven-member court. The Democratic governor said Thursday that it cannot be considered a "Brown court" because each justice acts independently, sometimes unpredictably.The 45-year-old Groban, of Los Angeles, oversaw Brown's appointment of about 600 judges since 2011.He gives the court a majority of Democratic appointees for the first time since 1986. The Harvard Law School graduate fills the vacancy created by the retirement last year of Justice Kathryn Mickle Werdegar.Groban received the approval of all three members of the Commission on Judicial Appointments last month. 849

SACRAMENTO, Calif. (AP) — Parents of Californians murdered by people now on death row shared gruesome details of their loved ones' killings Thursday as they launched a statewide tour to urge Gov. Gavin Newsom to reverse his moratorium on executions."He was like a thief in the night that stole justice from us," said Phyllis Loya, whose son Larry Lasater Jr. was killed on duty as a police officer.Newsom last month issued a reprieve to the more than 700 people sitting on California's death row, meaning none will be executed as long as he is in office. He also ordered the state to withdraw its lethal injection regulations and dismantled the "death chamber" at San Quentin State Prison.California's death row is the nation's largest, but the state has not executed anyone since 2006. Voters in 2016 approved a ballot measure to speed up executions, and district attorneys and the families of victims' accused Newsom of defying the voters' will.RELATED: California seeks death penalty in 'Golden State Killer' caseTodd Spitzer, Orange County's district attorney, said the "Victims of Murder Justice" tour will travel to all 80 Assembly and 40 Senate districts. He did not announce new legal actions aimed at stopping Newsom's moratorium. But Spitzer requested that Newsom review each case individually to make clemency decisions rather than issuing a blanket reprieve. He also said the tour is designed to pressure lawmakers; a proposal has been introduced to again put a measure to permanently stop the death penalty on the 2020 ballot.Families criticized Newsom for saying he couldn't sleep at night knowing an innocent person might be killed, saying they could not sleep because they had seen their children's bodies defiled and, in one case, sewn back together."A real leader would say let me listen to this case by case," said Steve Herr, whose son Sam Herr was murdered in 2010 by Daniel Wozniak, who shot Herr in the head, made it look as if he raped a female victim and dismembered him. Herr said Newsom will never know what it was like to see the murder scene and, later, his son's body sewn back together so it could be buried in one piece.Jeri Oliver, whose son Danny Oliver was killed while on duty as a Sacramento sheriff's deputy, had perhaps the harshest words for Newsom. Luis Bracamontes was convicted last year for Oliver's murder and said during the trial he wished he had killed more cops. Oliver said Newsom owed her a one-on-one meeting to discuss the case."You turned the knife again in my heart," Oliver said. "I dare you to meet with me and I can give you some facts that you don't want to hear. I challenge you Gov. Newsom — come meet with me."When announcing his moratorium, Newsom said he met with several victims' families who offered different opinions on the death penalty."To the victims all I can say is we owe you, and we need to do more and do better," he said at the time. "But we cannot advance the death penalty in effort to try to soften the blow of what happened."National Crime Victims' Rights Week began Monday, and several attendees said Newsom should have spent it meeting with crime victims in California rather than traveling to El Salvador. Newsom spent three days in the Central American country to learn about the poverty and violence driving migrants to come to the United States.Newsom's office did not immediately offer comment on Thursday's news conference. 3420

SACRAMENTO, Calif. (AP) — California state prison officials say as many as 17,600 inmates may be released early due to the coronavirus. That's 70% more than previously estimated and a total that victims and police say includes dangerous criminals who should stay locked up. The earlier releases also are causing consternation as probation officers and community organizations scramble to provide housing, transportation and other services for inmates who may pose a public health risk because several hundred have been paroled while still contagious. Officials have been under intense pressure to free more inmates, though officials say Corrections Secretary Ralph Diaz is likely to block some of the earlier releases. 726

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