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The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The number of people within the orbit of Vice President Mike Pence who have contracted COVID-19 in recent days has grown to five, according to CNN and The New York Times.Those five include Pence's chief of staff, Marc Short, an outside advisor, Marty Obst, and aide Zach Bauer.On Saturday, the Trump administration confirmed that Short had contracted COVID-19. In a statement released, the White House said that both Pence and the second lady both tested negative, and CNN reports that they tested negative on Sunday as well.On Saturday, the White House said that Pence would "maintain his schedule in accordance with the CDC guidelines for essential personnel."However, The New York Times reports that "several" White House officials privately believe that Pence should stay off the campaign trail due to the outbreak. CNN spoke with officials who said Pence staff members are "scared" of contracting the virus.Just hours after the White House confirmed Short's diagnosis, White House Chief of Staff Mark Meadows said on CNN that the Trump administration wasn't "going to control the pandemic" and would instead focus on treatments and vaccines.The outbreak within Pence's office is just the latest rash of COVID-19 cases that have reached the inner circle of the White House. President Donald Trump himself was hospitalized after contracting the virus earlier this month, and both first lady Melania Trump and her son, Barron, have also caught the virus. Several other top White House officials, including press secretary Kayleigh McEnany, adviser Stephen Miller and White House counselor Hope Hicks have also contracted the virus. 1641

The Justice Department's inspector general has sent a criminal referral regarding former FBI Deputy Director Andrew McCabe to the US attorney's office in Washington, according to a source familiar with the matter.A McCabe spokesperson, the Justice Department and US attorney's office all declined to comment.The IG had found that McCabe "lacked candor" on four occasions when discussing the disclosure of information for a Wall Street Journal article about the FBI's Clinton Foundation investigation, according to a copy of the report obtained by CNN.In addition, the inspector general determined that McCabe was not authorized to disclose the existence of the investigation because it was not within the department's "public interest" exception for disclosing ongoing investigations. The disclosure to the Journal was made "in a manner designed to advance his personal interests at the expense of department leadership," the report said.The findings formed the basis of McCabe's firing last month by Attorney General Jeff Sessions.The-CNN-Wire 1052

The intersection in Minneapolis where George Floyd died will now be known as George Perry Floyd Jr Place.The Minneapolis City Council approved on Friday of renaming the corner of 38th Street and Chicago Avenue.Public Works Director Robin Hutcheson applied to get the street renamed.The council said the name is commemorative, so mailing addresses won't change.Floyd died while in police custody back in May. His death has led to protests worldwide, with activists calling for justice and racial equality. 512

The New York Post is using Friday's cover to send a message to President Trump following the school shooting that took place in Parkland, Florida, on Wednesday. The message? "Please act."The newspaper's front cover on Friday used the headline "Mr. President, please act" along with a photo of two women crying. Under the Post's headline it reads, "The Post says: We need sensible gun control to help stop the slaughter."The front page stirred conversation on social media as soon as it was tweeted on Thursday night. Some users showed surprise that it was the Post -- which is owned by Rupert Murdoch -- that published the cover rather than its cross-town rival, the New York Daily News, which has in the past used its front page to take a stance on gun control.Tomorrow’s cover: Mr. President, it’s time to do something about guns https://t.co/OmSO1GhPPY pic.twitter.com/cYnS3pfdM3— New York Post (@nypost) February 16, 2018 933

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