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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

Many couples are overcoming impossible odds during the coronavirus pandemic to tie the knot. Lindsay Clowes and Alex Leckie decided to take their ceremony to the edge in order to get married while guests stayed safe.The edge being the border between the United States and Canada, which is closed while coronavirus cases continue to climb.The Canadian couple held their October 10 ceremony on the water between the two countries, so friends and family from both sides of the border could attend.Some watched from St. Stephen Wharf in New Brunswick, Canada, while others were on the banks of the St. Croix River in Calais, Maine.Clowes’ grandparents got VIP seating, on a boat in the middle of the river. 710

Michelob Ultra is looking to pay someone ,000 to take pictures of national parks.Anheuser-Busch, the makers of Michelob Ultra, says they are searching for a CEO, or a Chief Exploration Officer, who will travel the nation for six months, exploring national parks while representing Michelob ULTRA Pure Gold.On its website, the company said the ideal candidate would be someone who "enjoys and respects the great outdoors," able to take and edit pictures and be a "strong leader with a clear sense of direction."They will also need to be willing and able to hike through national parks and other outdoor areas, have a valid US driver's license and must be 21 or older, the company added.The new hire will travel in a camper van equipped with a bathroom and shower. Gas money is also covered.The winner would also get to bring a friend, spouse, partner, or even a dog.The last day to enter is Sept. 30. 910

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

Miller Lite is giving away free beer as part of a campaign that’s bidding farewell to work holiday parties.These parties are being canceled because of the COVID-19 pandemic and many say they won’t miss them. In fact, a survey conducted by ENGINE INSIGHTS found that over 50% of full-time office employees say they aren’t sad to see these parties go, and 70% would choose time off from work over a holiday party.These canceled parties will leave workers with more time on their hands, so Miller Lite says it’s giving away 6-packs to help fill it with more “Miller Time.”If you’d like to claim your 6-pack of Miller Lite, you can sign up for a rebate here. You’ll be asked to provide your birthdate to enter the website and a phone number for the rebate to be texted to.Once you’ve been texted the rebate, you can purchase a 6-pack of Miller Lite and scan your receipt to receive money back through PayPal or Venmo.In some states, you can receive a full rebate, but in others, you’ll get a 50% rebate or it may be prohibited by law in your state. Click here for the full terms and conditions.In addition to the free beer, Miller Lite also teamed up with artist Alex Prager to memorialize cringy moments from holiday parties with sculptural figures. They’ll be featured in an an art installation on display outdoors at the Los Angeles County Museum of Art (LACMA) and in a virtual experience at LACMA.org.The outdoor installation, sponsored by Miller Lite, will be open and free to the public at LACMA starting Saturday, November 21 and will run through January 3, 2021. It will be held on the museum’s Smidt Welcome Plaza, following strict distancing and safety protocols.“With many companies nixing the traditional holiday party, we’re focused on the silver lining – more time with a few real friends, which is what Miller Time is all about,” said Courtney Carter Dugan, director of activation for Miller Lite. “Not having to make awkward small talk or being forced to take photobooth pictures with coworkers is a holiday gift in and of itself.” 2052