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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

LUTZ, Fla. — A Florida mother was arrested after her 3-year-old daughter drowned in a Lutz pool.According to the Hillsborough County Sheriff's Office, on March 10 at 9:45 p.m., 30-year-old Caitlin Joy Powell arrived at her job at JT's Road House bar in Tampa. At the beginning of her shift, she allegedly took a 15mg pill of morphine prescribed to her by a doctor. At about midnight she took another half pill in the same shift.Powell also reportedly drank four to five shots of Bailey's Irish Cream and butterscotch liqueur during her shift. Deputies say she left work at about 2:40 a.m. and drove to her friend's house to pick up her daughter. They drove to her home in Lutz where she put her daughter in bed and went to sleep.HCSO says that Powell woke up twice that morning to use the bathroom and change the child's diapers. At about 12:30 p.m. the next day, Powell was awoken by a witness who said the child was in the backyard pool. The toddler was transported to the hospital, but later died.Detectives noted the pool was heavily ridden with green algae and the visibility into the pool was barely past the first step. They say the woman knew the sliding glass doors leading to the backyard did not properly lock and the safety pin that binds both doors together was missing for approximately one to two weeks. The bar she allegedly placed to secure the door was located in the backyard under a shovel.A fence was created in front of the pool, but there was about a one foot gap next to the wall blocked by a small metal cage and a plastic pet carrier, both light in weight.Investigation revealed the 3-year-old walked around the pool, fell in and drowned.Powell says the child was unsupervised for about four and a half hours.On May 8, Powell turned herself in and was charged with aggravated manslaughter of a child. She was later released on bond. 1886

Louisville Mayor Greg Fischer announced that a citywide curfew will be extended through the weekend as unrest in the city reignited on Wednesday.The demonstrations were sparked by a grand jury announcement that charges would not be filed against the two officers who shot and killed Breonna Taylor during a March raid.The curfew will continue from 9 p.m. to 6:30 a.m. every day through Monday. The curfew does not apply to people commuting to work, house of worship for services or seeking medical attention for themselves or others.The city has also closed some of the city’s downtown government facilities through Monday morning.On Wednesday, 127 arrests were tied to demonstrations in the city. Amid the unrest, two Louisville Metro Police officers were wounded by a gunman. A suspect, Larynzo Johnson, was arrested on Wednesday. Johnson is accused of shooting the two officers who were patrolling demonstrations in the city. 936

LOUISVILLE, Ky. — The coronavirus pandemic has already triggered unprecedented election disruptions in the 2020 cycle. Now, those worried about suppressed turnout in the upcoming general elections are focused on Kentucky.Voters in the Bluegrass State will vote in primary elections on Tuesday, and the virus has already had a stark impact on the election. In Louisville, the state's largest city, only one polling place has been designated.That polling place will now serve as the only option for in-person voting on Tuesday for an area representing about 600,000 people — including a large portion of the state's Black population.Voters who didn't cast mail-in ballots could face long lines — just as voters in Georgia did earlier this month when dozens of polling stations were closed due to COVID-19. During Georgia's primary, voters waited in line late into the night in Atlanta and Savannah in order to cast their ballots.Kentucky turned to widespread mail-in absentee voting in an agreement between the state's Democratic governor and Republican secretary of state in response to the pandemic. But voters not requesting absentee ballots will have to show up Tuesday.The state's primary, typically in late May, was delayed more than a month.Voters in New York state will also vote in primary elections on Tuesday — days after election officials expressed concern about the state's mail-in voting system to The New York Times. Officials said Friday that thousands of ballots had yet to be delivered to voters, meaning they likely wouldn't arrive on time before Tuesday's election.At stake are several high-profile primaries that could have a significant impact on the shape of Congress. In Kentucky, Charles Booker and Amy McGrath are facing off in a Democratic primary for the right to face Senate Majority Leader Mitch McConnell in November. McGrath, a moderate candidate, was the heavy favorite, but the progressive Booker has closed the polling gap in recent weeks.In New York, Rep. Elliot Engle (D) — the chairman of the House Foreign Affairs Committee — is in danger of losing his seat to another progressive candidate, first-time candidate Jamaal Brown. 2172

Mental health experts are concerned that people who are unemployed amid the COVID-19 pandemic may be experiencing more mental health issues.Art Goldsmith, a professor of economics at Washinton and Lee University, says that some people who don't have a financial buffer — particularly minorities or people who have young kids — might become more emotionally distressed by losing their job.Unemployed people are normally optimistic at first. But after five or six weeks, feelings of hopelessness or anxiety increase."That's when I would say the psychological distress really arise, and poor emotional well-being starts to become a footprint of that bout of unemployment," Goldsmith siad.According to Maria Heidkamp, the director of the New Start Career Network at Rutgers University, that's concerning because the number of people who have been unemployed long-term has ballooned during the pandemic. She says that combing the stress of the health emergency with the pressure of being unemployed compounds an already difficult process."Your self-esteem can take a beating if you apply for jobs and get a series of rejections, and you don't know why. Or maybe you don't hear anything." Heidkamp said. "Even pre-pandemic, we know how stressful it is. "Heidkamp says that unemployed people should break up their job search and related goals into small, manageable steps. She suggests re-doing resumes or building an online presence in small chunks.She also suggests finding activities that reduce stress during unemployment and searching for part-time work while continuing to look for full-time employment.New Start Career Network is also partnering with the Mental Health Association of New Jersey to offer online health and wellness workshops. 1749

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