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If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

I have been identified as a contact of someone who has tested positive for #COVID19. I am well and without symptoms but will self-quarantine over the coming days, in line with @WHO protocols, and work from home.— Tedros Adhanom Ghebreyesus (@DrTedros) November 1, 2020 276

I knew the risks involved in performing CPR on someone that potentially has COVID but I made the choice to do so anyways. I spoke with the passengers wife about his medical history and she never mentioned he was positive, she said he was scheduled to have a test done in LA.— Face (@Face_withaQ) December 19, 2020 327

In a deeply divided political climate, Washington witnessed a rare moment of unity on Monday as lawmakers from both sides of the aisle came together to remember George H.W. Bush.The Republican former President died on Friday at the age of 94. On Monday, his body was brought to the US Capitol rotunda where Bush will lie in state until Wednesday morning, an honor reserved for government officials and military officers.Democrats and Republicans remain locked in a standoff over funding for President Donald Trump's border wall that could trigger a partial government shutdown in the coming days and Washington is still reeling from a divisive midterm campaign season where the leaders of both parties were targets and Trump frequently went on the attack on the campaign trail.But for at least a few hours, the two parties appeared to put their political differences aside.As crowds began to gather outside, a ceremony was held inside the rotunda where Capitol Hill's highest-ranking Republican and Democratic lawmakers joined together in paying tribute to the former President.Senate Majority Leader Mitch McConnell and Senate Minority Leader Chuck Schumer stood side-by-side as a wreath was placed alongside the casket. In another image of unity, House Speaker Paul Ryan and House Democratic Leader Nancy Pelosi did the same several minutes later, standing next to one another as a second wreath was placed.Pelosi, who is vying to become House speaker when Democrats take control of the House of Representatives in the new Congress, stood next to Kevin McCarthy, who will serve as the House Republican leader in the next Congress, as lawmakers filed in at the start of the event and the two could be seen speaking to one another.Earlier in the day, McConnell and Schumer both gave speeches on the Senate floor praising the former President."He embodied the characteristics we admire in a president: integrity, civility, dignity, humility," Schumer said during his speech. The Senate Democratic leader added, "I knew him to be a fine man. A decent man. And even when he opposed your views, you knew he was doing what he thought was best for the United States of America."A long list of prominent current and former officials gathered inside the rotunda to pay their respects.Vice President Mike Pence delivered a speech. Prominent former lawmakers, including former Senate Majority Leader Republican Bill Frist, were seen at the Capitol as were sitting Supreme Court justices, including Clarence Thomas, who was nominated to the bench by Bush.Outside the Capitol, a long line of people waiting to pay their respects to the 41st President began to form early in the evening. Starting at around 7:30 p.m. ET on Monday, members of the public began to be allowed into the rotunda to view the casket.Joe McGarvey, a 62-year old Democrat, was one of the people who waited in line to pay his respects to what he described as "a man who gave a life of service to the country.""I'm a Democrat, but as President, he did a lot of good things," McGarvey said during a brief interview. He described Bush as a "very humble, caring person -- you could tell, just how he treated people."As McGarvey waited, the temperature began to drop. "It's getting a little cold here," he said, "even though I'm standing out here in the cold, I'm glad I did it."Stephen Keblish and Nate Crossett from Utica, New York said they had driven down to Washington, DC that morning.Keblish described it as a "once in a lifetime kind of opportunity.""It's a sort of pilgrimage in a way. There aren't a lot of opportunities for ritual in this day and age especially as a country so I wanted to partake in something like that," he added.Christine Dube, who lives in Vermont, but travels to DC periodically for work, said she believes Bush was from an era where people did "the right thing and you care about America and that comes first.""I think maybe people need to start thinking about that a bit more," she said, "following that set of values, not fighting with each other, agreeing to disagree, doing what we're supposed to do, take care of each other ... not be at odds with each other all the time.""Our country needs to come together," Dube said, adding, "Regardless of what your political views are, I think everybody at heart wants to see our country do well."Among those also paying respect Monday evening: the President and first lady Melania Trump, who stood in front of Bush's casket in the Rotunda at around 8:30 p.m. ET. 4520

IMPERIAL BEACH (KGTV) - Medical examiners identified the body found floating off-shore in Imperial Beach as 29-year-old Zabiullah Rahmani.Rahmani leaves behind a wife of nearly ten years and two 7-year-old twin daughters. Ramzia Rahmani tells 10News, "I can say it was horrible and it still is." Less than a week since she lost her husband and the feelings are still raw, "The fire is burning in my chest whenever I see my girls ask about their father. It'ss too hard to face their questions, it's hard to answer their questions about their dad."She tells 10News, her husband left Saturday night to hangout with friends down in Imperial Beach. She says he was planning to be home for midnight but the hours after turned into Monday, "The doorbell rang and I saw there was two police officers and I felt bad. I thought maybe something happened to my husband." Thinking something bad but never imagining it would end up being her worst nightmare, "It's hard for me to believe hes not with me anymore." Thankfully she has support from family members like Zabi's cousin, "I'll try my best to be like a father to Zabi's kids and treat them the same way I treat my kids." A GoFundMe page has been set up for the family as they try to put together the pieces from here, "When we left Afghanistan he was like, we are going to have a bright future over there." Now, rebuilding that future without their husband and father. 1422