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Mortgage rates have been low for months, but currently, about 19 million homeowners who are eligible to refinance haven't cashed in.According to data analytics firm Black Knight, these homeowners have a credit score of 720 or more and at least 20% equity in their homes. They could save nearly 0 a month on average.A new survey by YouGov for Forbes Advisor found that 34% of homeowners say they’re not sure refinancing is worth it.A mortgage analyst at Forbes Advisor says one reason people may be hesitant is they don't want to deal with banks that are overloaded with applications right now.“Borrowers really need to advocate for themselves, so make sure that you call your lender if you haven't heard from them in over a week let’s say or just really stay on top of it and at the end of the day. If you're not getting the service that you want, there are many other lenders that would be happy to get your business,” said Natalie Campisi, Mortgage Analyst at Forbes Advisor.Another reason you should act now if you've been considering refinancing, is there's a new fee. It starts on December 1, but your loan may not be processed before then if you don't start the process now.“What you want to do is talk to your lender,” said Campisi. “If you decide to apply for a loan, ask them, say you know will you roll this fee into the cost of my loan, which some lenders are doing, and find out some lenders might be able to process your application before December 1.”Campisi says you can benefit the most from refinancing if you're not planning to move within the next few years. Also, if you have more than 10 years left on your mortgage.You also need to consider closing costs that can average around ,000. Most experts recommend you need to be saving at least 0 a month to make those costs worth it. 1816

MISSION VIEJO, Calif. (AP) — Two people were bitten by a coyote in two separate attacks on a Southern California trail on Saturday. A spokeswoman for the city of Mission Viejo in Orange County says a woman was jogging on the Jeronimo Open Space when a coyote bit her lower left calf, leaving four puncture wounds. A second person said they were bitten on the left ankle while they were on the trail around 6:30 a.m. Both went to the hospital for treatment. The city shut the trail pending an investigation by animal control officers and California Department of Fish and Wildlife.RELATED COVERAGE:Video: Coyote attacks pit bull at Chula Vista parkTrapping plan underway for aggressive coyotes near Chula Vista park, baseball fieldColumbus Zoo visitors spot missing red panda that hadn't been seen for two daysIt's not a Disney film: Coyote, badger travel under California highway together 896

NASSAU COUNTY, Long Island — A man allegedly faked his own death in order to avoid being sentenced in two open cases, according to the Nassau County District Attorney's office.Officials said Robert Berger, 25, used his attorney to provide a county prosecutor with a fake death certificate. The document had typos, which tipped off officials, according to the statement from the DA's office.“Typos and formatting errors gave up what we allege is a forged death certificated that this defendant used to avoid accountability for other crimes,” District Attorney Madeline Singas said in the statement released this week. “Submitting fake documents to prosecutors is always a bad idea, and while he’d have been caught regardless, failure to use spell check made this alleged fraud especially glaring.”In 2018, officials said Berger pleaded guilty to charges related to his possession of a stolen Lexus; he also pleaded guilty to attempted grand larceny for attempting to steal a pickup truck.On Oct. 22, 2019, attorneys for Berger told the court their client had died and provided the court with a New Jersey Death Certificate, stating the defendant died by suicide.The attorney said Berger's fiancé provided them with the document.Upon inspection of the certificate, officials said the font size and type were not consistent in the document, and the word “Registry” in the department name was misspelled as “Regsitry."After calling to verify the certificate with officials in New Jersey, investigators confirmed the certificate was fraudulent.A copy of the false death certificate was also provided to officials in Suffolk County, where Berger also had a pending criminal case, officials said.After the discovery, Berger was arrested on Nov. 14, 2019, in Pennsylvania and was held for charges including providing a false identity to law enforcement.Berger was arraigned Tuesday and is due back in court on July 29. Bail was set at but he was remanded in custody due to the previous cases that remain open.This story originally reported by Corey Crockett on PIX11.com. 2075

MT. JULIET, Tenn. — Officials in a Tennessee county have asked the public to check their Halloween candy after a needle was found in one item. The Wilson County Sheriff’s Office said a report was filed Wednesday night in Mt. Juliet, Tennessee after a needle was found in a piece of LifeSavers Gummies candy. 330

Nearly 200 feral horses were found dead in Gray Mountain, an unincorporated town on Navajo land in Coconino County, Arizona.Navajo Nation President Russell Begaye and Vice President Jonathan Nez traveled to Tuba City on Wednesday to address the situation, where 191 horses were found dead in a stock pond.President Begaye said their deaths are due to drought and famine."This tragic incident exemplifies the problem the Navajo Nation faces in an overpopulation of feral horses," Begaye said. Over the years, Gray Mountain has seen an uptick in feral horses. For instance, there's an estimated amount of 50,000 to 70,000 feral horses on the Navajo Nation. Government officials are at the site to keep the area closed off and prevent diseases from being spread, a press release said. The area will be fenced off permanently and the horses will be buried onsite after officials considered multiple factors."The horses are anywhere from thigh to neck deep in the mud," said Nina Chester, a government spokeswoman. "This is our most humane and safest option."The Navajo Water Management Branch confirmed that the plan does not pose a threat to groundwater.  1195