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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

LOUISVILLE, Ky. — Louisville, Kentucky, has banned the use of controversial "no-knock" warrants and named the new ordinance for Breonna Taylor.Taylor was fatally shot by Louisville officers who burst into her home in March. Her death, along with the deaths of Ahmaud Arbery and George Floyd, have sparked a largely peaceful protest movement across the country, calling for significant changes in policing and an end to systemic racism.Louisville Metro Council unanimously voted Thursday night to ban the controversial warrants after days of protests and calls for reform. According to NPR, the law also requires police to wear body cameras when serving warrants and turn them on five minutes before entering a person's home.Taylor was killed on March 13 when police served a no-knock warrant on her home as part of a narcotics investigation. Taylor's boyfriend, Kenneth Walker, fired at police, thinking they were intruders. Police returned fire and shot Taylor dead.No drugs were found at her home. No charges have been filed in connection to Taylor's death.Taylor's mother, Tamika Palmer, said the new law will save lives.Kentucky Sen. Rand Paul also introduced federal legislation Thursday that would ban the use of no-knock warrants nationwide. 1256

MADISON, Wis. (AP) — Wisconsin Gov. Tony Evers ordered the state's National Guard troops to withdraw from the border with Mexico Monday, drawing the ire of a Republican congressman from Illinois who says he serves in the Wisconsin National Guard and the border mission is honorable.Former Republican Gov. Scott Walker ordered troops to Arizona in June to assist with administrative duties along the border. Evers, a Democrat, issued an executive order Monday withdrawing them. Evers announced the order late Monday afternoon.The governor said about 112 troops are currently serving in Arizona but keeping the borders safe and protecting immigrants seeking asylum is the U.S. Customs and Border Patrol's job. He said there's not enough evidence to support Republican President Donald Trump's declaration that a national emergency exists and there's no justification for Wisconsin troops to remain."I cannot support keeping our brave service men and women away from their families without a clear need or purpose that would actively benefit the people of Wisconsin or our nation," Evers said.RELATED: San Diego's Border Patrol chief explains what's working, what's notAdam Kinzinger, a Republican congressman from Illinois, tweeted on Monday that he is a member of the Wisconsin National Guard and criticized Evers for his decision. In a series of tweets, he said he was sent to the border as a member of the Wisconsin National Guard and his crew caught a man crossing the border with 70 pounds of methamphetamine."Wonder the damage that would do in Milwaukee ..." he tweeted.He went on to claim that he and his crew "captured a few coyotes, who prey on desperate migrants" and he came across a woman alone in the desert and helped the border patrol rescue her.RELATED: BP chief shows section of San Diego border knocked downHe tweeted that stopping illegal immigration is an honorable mission and asked Evers whether his decision to withdraw was a political one. He also asked Evers to reconsider.Kinzinger echoed those sentiments during an appearance on Fox News, criticizing Evers for not visiting the troops on the border. He accused the governor of lacking the courage to announce the withdrawal earlier in the day.A Wisconsin National Guard spokeswoman didn't immediately respond to an email seeking to confirm whether Kinzinger is a Wisconsin National Guard member and whether he would face any military discipline for criticizing Evers, the state National Guard's commander in chief.RELATED: Border wall prototypes in South San Diego County to be dismantledA Kinzinger spokeswoman in Washington, D.C., also didn't immediately respond to an email.A March 2016 photo posted on the Wisconsin Air National Guard 115th Fighter Wing's website shows Kinzinger receiving a service medal. The caption indicates the photo was taken at Truax Field in Madison and Kinzinger was a major serving as a pilot in the 115th at the time. 2932

Many of the thousands of migrants waiting to claim asylum are realizing their dream to live in America may be a tougher road than they imagined, especially following Sunday’s clash at the border, involving a group of migrants and U.S. officials.Conditions are horrid in one camp in the border city of Tijuana, Mexico, where people have been living in tents for weeks in a lot that once was a baseball complex. Many of them dream of starting a new live in the U.S., but those dreams are fading.Maria Elena Reyes waited in line for hours, hoping a volunteer may have a clean shirt. For her, these living conditions, and even the month-long journey from Honduras, all seemed worth it to get to the border. But that’s when she says she had hope of finding asylum in America.“To look for a better life, to help my grandchildren who are in Honduras and my daughters, and for myself,” Reyes says.But like others at the camp, her optimism seems to fade with each passing day in the tent city, especially after what happened Sunday, when U.S. border agents used tear gas on a group of migrants.“I would say after that incident, which was really bad, a lot of doors closed,” Reyes says.Already worn out from the long journey, many of these migrants are now fearful of the US, scared of what could happen at the border, even if they apply for asylum the legal way.Sarahi Nunes and her 3-year-old daughter, Genesis, thought getting into the US would be easier, but knowing there’s a months-long wait just for an official asylum appointment, makes her doubt whether she'll ever obtain her American dream.“Yes, at first, that was the plan,” Nunes says. “But now, I see how difficult it is for people asking for asylum.” She's already started the process of applying for a work visa to stay here, in Mexico. She says living in Mexico would still be a step up from her life in Honduras.Reyes is also hopeful she could find a job in Mexico, but she says if she doesn't in the next week, she will go back to Honduras.“It was a very hard battle to get here,” Reyes says. “I would not like to go back empty-handed.”  Reyes says she doesn’t want to give up, but knowing if she does return home, that’s what it will feel like. 2222

Millions of older Americans are growing old all alone. As Baby Boomers age, and start losing loved ones, loneliness can take its toll.The issue is becoming such a concern some national organizations are stepping in.“This was the one thing I said when I retire, I want to do Meals on Wheels,” says volunteer Donna Reuss.Reuss has been volunteering for the organization Meals on Wheels for six years. She not only brings seniors a free meal, but she’s often the only person they really interact with for weeks at a time.“One of the things that really surprised me when I first started this was how many seniors live alone,” Reuss says.Loneliness can have a big impact on their health. Research shows that lacking social connections can be as harmful to someone’s health as smoking 15 cigarettes a day.“It's a much bigger problem I think than people realize,” says Mary Lee Anderson, with Senior Services of Alexandria.Anderson’s nonprofit organization helps deliver food for Meals on Wheels. She’s helping with a new pilot project that lets volunteers delivering meals use a cell phone app to report any changes in behavior or concerns they notice while visiting with a senior.“It lets our volunteers, if they notice a problem, report it right on their phone,” she explains. “That information is sent back to us at the office and we can then contact the individual who is responsible, a family member or their city social worker if they don't have a close family member.”The pilot program is currently being tested in 10 cities across the country, and it’s expected to expand to another 50 cities early next year. 1619