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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

" Barr tweeted Tuesday evening. That tweet had been deleted by Wednesday morning.The tweet about Jarrett, in which Barr called her child of "the muslim brotherhood and the Planet of the Apes" resulted in the cancellation of Barr's show, "Roseanne," which was slated for a second reboot season and one of the highest rated shows on network TV.  1554

If you've never tried cold brew coffee, now is your chance! If you love cold brew coffee, today is your day to get some for free!Dunkin' Donuts is giving away free 3.5-ounce samples of their cold brew on Friday (April 6) from 10 a.m. to 2 p.m., while supplies last. What is cold brew? It's a special blend of coffee that is crafted by hand in small batches and steeped in cold water for 12 hours. The result is sweeter, almost reminiscent of dark chocolate and smooth and bold. Get more info about Friday's freebie here. 548

IMPERIAL BEACH, Calif. (KGTV) - The daughter of PGA star Phil Mickelson will make her acting debut in a movie partially shot in San Diego.Sophia Mickelson has a featured role in Ruta Madre, a coming of age story about a singer who discovers his family and roots on a road trip through Baja.According to the movie's website, Ruta Madre deals with issues of self-identity in a bi-national region."It reflects the feeling of many Latinos, especially Mexicans, who have emigrated or were born here, but who have not they feel neither from here nor from there,” director and screenwriter Agustín Casta?eda said in a 2016 interview.Mickelson plays "Daisy," the lead character's childhood crush. She says the story has meaning for people on both sides of the border.RELATED: San Diego film highlights bi-cultural relationship with Mexico"One of the messages that stood out a lot to me is the importance of family," says Mickelson. "Having strong roots in the SD community as well made me want to revisit those kind of family connections and place more value on it."Mickelson's family is well known in San Diego. Her father, Phil, has won 44 events on the PGA tour, including 5 major championships. He's arguably, San Diego's favorite golfer.Sophia hopes the city will embrace her film career the same with people here have rallied around her father. But she says her parents have done a great job of supporting her dreams while not putting any pressure on her."I think they're very supportive of me having my own path and not having to do anything in line with what they've done," she says. Sophia also told 10News she hopes to go behind the camera for her career and work as a director.She's not the only young star of the movie with San Diego ties.Jordi Bertran, who plays a young version of Daniel, is from San Diego as well. He's known around town for roles he's had on stage at the Old Globe."This film feels like a San Diego film," he says. "The story is ultimately about finding your roots. That's really important now because a lot of times it's easy to forget where we come from."For more information about Ruta Madre, including how to watch it in San Diego, click here. 2180

IMPERIAL BEACH, Calif. (KGTV) - Police investigated Wednesday the discovery of a body at Border Field State Park in Imperial Beach.The remains were found about 11:15 a.m. at the beachfront park in South San Diego County.Details on the deceased person's identity, including gender and approximate age, were not immediately available, Lt. Michelle Craig said.There were no immediate indications of any suspicious circumstances related to the death.City News Service contributed to this report. 501

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