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Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063

Melania Trump will announce her eagerly awaited formal platform Monday during a Rose Garden event, nearly 16 months into her tenure as first lady.While Trump has since September of last year said she plans to focus her efforts on the well-being of children, she had yet to define what exactly that means, instead delving into a broad range of topics under a wide umbrella of issues.That changes with a planned Rose Garden announcement, her first speech from that historic location on the West Wing side of the White House, feet from the Oval Office. 557

Many Americans have been working from home for months now and students have also been attending class from home.Your make-shift office or classroom may not be that comfortable.Some common complaints may include pain in the neck, shoulders, wrist, forearm, lower back, hips and legs.Physical therapists say if the family is sharing one workspace, it's important it can be adjusted.“You’d like to have a chair that matches the size of the person,” said Michelle Despres, a physical therapy expert. “It should have some adjustability. It should have some variability in what the chair can do. It should provide support for the lower back. It should have support for your legs. You should be able to put your feet flat on the floor and your thighs should be parallel to the floor.”If you're not looking to buy a desk or chair, you can still adjust by using books as a footrest.It's also important your computer setup is comfortable. If you can, try to use a monitor, or an external keyboard and mouse pad.If you are going to buy one thing for your workspace, Despres says a chair is a great investment.“Maybe, if you make one purchase, then probably the chair is the best purchase,” said Despres. “That's something that you can raise and lower. That's something that can adjust the back. You can go to the stores and sit in the chairs, try them out, adjust the arms.”You should be stretching as often as you can. If you're constantly sitting, make sure to stand often. Try to walk around. stretch your wrists or heel raises to get your blood moving.While you're sitting, make sure your shoulders are relaxed and not shrugging. 1630

MARATHON, Fla. -- Several dozen endangered sea turtles were flown from New England to Florida and are receiving treatment for something called “cold stunning.”The young sea turtles became stranded on beaches near Cape Cod, Massachusetts after overexposure to cold water. Being exposed to cold water for too long can result in a hypothermic reaction called “cold stunning,” and can cause turtles to stop eating and swimming.They were flown to the warmer climate of Florida over the Thanksgiving weekend and are being treated at various aquariums, turtle hospitals and facilities. Some of them may have to stay at the facilities for up to a year for testing and treatment.About 40 young Kemp Ridley sea turtles were taken to the Turtle Hospital in Marathon, Florida. Another two dozen were taken to other marine centers, including the Florida Aquarium in Tampa.The rescue was made possible by a group of private pilots called “Turtles Fly Too,” who donated their planes, fuel and time to transport the animals. The turtles traveled in towel-lined banana boxes, according to local media. 1092

MIAMI (AP) — A South Florida high school decided to take the jungle theme for prom a bit too seriously for some students.Students, parents and teachers from Christopher Columbus High School took to social media to say that a wild tiger at last Friday's prom was animal abuse. The Miami Herald reports that footage shows the tiger pacing inside a small enclosure as bright lights flashed around him.Mari-Chris Castellanos, whose brother attends the all-boys private school, posted on Facebook and said the tiger "was used as an exotic amusement for the mindless teenagers who were present."The dance also featured a lemur, two macaws, and an African fennec fox.School administrators said in a statement that the venue approved it and that the animals were provided by facilities licensed by the Florida Fish and Wildlife Conservation Commission.___Information from: The Miami Herald, http://www.herald.com 927

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