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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

MAMMOTH HOT SPRINGS (EastIdahoNews.com) — An Oregon man who officials say was caught on camera harassing a bison in Yellowstone National Park was arrested late Thursday night.Raymond Reinke, 55, of Pendleton, Oregon, was apprehended by Glacier National Park rangers around 10:45 p.m.Reinke had been traveling to multiple national parks over the last week, according to a Yellowstone National Park news release. On July 28, he was arrested by law enforcement rangers at Grand Teton National Park for an alleged drunk and disorderly conduct incident. He spent the night in the Teton County Jail, and was released on bond.Park officials say Reinke then traveled to Yellowstone National Park. Rangers stopped his vehicle for a traffic violation on July 31 and he appeared to be intoxicated and was argumentative, the news release says. He was cited as a passenger for failure to wear a seat belt and authorities believe after the traffic stop, Reinke encountered the bison.A passerby captured the incident on camera and the video has been seen millions of times with the majority of viewers expressing outrage at Reinke’s behavior.Yellowstone rangers received several wildlife harassment reports and issued Reinke a citation Wednesday evening before the video surfaced.On Thursday, rangers connected Reinke’s extensive history, and after seeing his alleged wildlife violation, the Assistant U.S. Attorney requested his bond be revoked. The request was granted and a warrant was issued for Reinke’s arrest Thursday.Reinke had told rangers that his plans were to travel to Glacier National Park so park rangers at Glacier began looking for his vehicle Thursday night. Around the same time, rangers responded to the Many Glacier Hotel because two guests were creating a disturbance. Rangers identified one of the individuals involved as Reinke.“We appreciate the collaboration of our fellow rangers in Glacier and Grand Teton national parks on this arrest. Harassing wildlife is illegal in any national park,” Yellowstone National Park Superintendent Dan Wenk said in a statement.Glacier rangers transported Reinke to Helena late last night, where they met Yellowstone rangers. Yellowstone rangers transported Reinke to Mammoth Hot Springs and booked him into the Yellowstone Jail. He is scheduled for a court appearance Friday. 2329

MARTINEZ, Calif. (AP) — Anti-racism protesters took to the streets Sunday in a San Francisco Bay Area city where two people were charged with hate crimes after allegedly defacing a city-sanctioned “Black Lives Matter” mural. The two were charged July 7, the same day that police in Martinez were called to investigate after someone painted “White Lives Matter” on a city street. Activists organized Sunday’s march after police found flyers threatening Black Lives Matter supporters in the name of a white-power group. Police are investigating the “White Lives Matter” graffiti. Detectives are searching for witnesses and video surveillance. 648

Michelle Ferre, 24, has a passion for running, and has a passion for teaching. Because of the love she has for both the fourth-grade teacher at Crofton Elementary in Maryland gets to live out her dream. Running the Boston Marathon on Monday is the opportunity of a lifetime."To me I think of the Super Bowl for runners," she said. "It is just the biggest honor to ever be able to run in that race.""I am already nervous," she added. "I'm already thinking about it. For me it's just an opportunity to represent my school, represent my students and get to share it with them."Ferre is part of team Hyland's, which is one of the sponsors of the Boston Marathon. She's one of 13 teachers that were picked to be on the team from a pool of 1,600 applicants. Her students surprised her with the news at school. Part of the reason she was chosen is because of her alter ego."Pocketful of Primary is a brand name that I go by as a teacher online," said Ferre.Her YouTube channel, where she posts videos about teaching, has over 100,000 subscribers."For me it was a way to kind of create my own community of teachers to surround myself with and get inspiration from them and just really support each other when we need it," she said. And she's making a difference across the country."About a year ago I actually started a hashtag on Instagram '#pocketfulofpositivity' because I noticed among teachers sometimes there's a lot of negativity with everything we have going on," she said. "So, I wanted to be able to spread a positive message among teachers."Every time someone uses the hashtag, Ferre donates to 'DonorsChoose.org', a website that helps teachers get tools and resources for their classrooms. So far she has donated 0.Her dream of running the Boston Marathon will be realized on Monday then she'll go back to helping her fourth-graders in Crofton realize theirs one day at a time."I've got nothing but positive support from my kids," said Ferre. "The parents and my team teachers, my administrators, they've all been nothing but supportive." 2091

Love Shark Week? You may be in luck.USDirect.com says it will pay one lucky fan ,000 to watch every second of this year’s Shark Week on the Discovery channel. The person will also receive snacks to help get them through the viewing, as well as Shark Week “swag.”“Put yourself to the test—if you think you’ve got the guts,” wrote the company.USDirect says the “jawb” entails tweeting and sharing your favorite Shark Week fact each day, using the hashtag #SharkWeekDreamJawb.The person will also need to rank each program from least to best in the following categories: Most entertaining, most informative, most fearsome (scariest), and most surprising.The “job” will begin on Aug. 9 and last for an entire week.“We don’t care if you watch Shark Week in bed, in-between meetings, or at the dinner table (though your family may feel differently): as long as you watch every second of Shark Week 2020, ,000 is all yours,” wrote USDirect.To be considered, here’s what USDirect says it needs from you:· You gotta love sharks—enough to celebrate them for a whole week.· You have to be at least 18 years old and a U.S. resident.· You have to be willing to document your Shark Week marathon on your social media.Those interested can apply here. The deadline to submit an application is July 27 at 5 p.m. ET. 1310

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