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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

Mexico is bracing for what's expected to be one of the strongest storms ever to hit its Pacific coast.Hurricane Willa is aimed at the coast's center, where it is forecast to hit Tuesday afternoon or evening. Tuesday morning, the storm was hurling maximum sustained winds of 130 mph and threatening to bring life-threatening storm surge and torrents of rain ashore,according to the National Hurricane Center.The storm weakened slightly to a Category 4 hurricane on Monday, with winds dropping further early Tuesday. Willa formed Saturday and went from tropical storm to Category 5 hurricane in just two days -- the pinnacle of what the hurricane center called "explosive" strengthening. Over the 24 hours from Sunday morning to Monday morning, Willa swelled by 80 mph.The whirlwind growth was only slightly marred by Monday's slowdown. "Willa is an extremely dangerous category 4 hurricane on the Saffir-Simpson Hurricane Wind Scale. While gradual weakening is forecast today (Tuesday), Willa is expected to be a dangerous major hurricane when it reaches the coast of Mexico," the National Hurricane Center said.Storm surge accompanied by "large and destructive waves" are forecast along portions of Mexico's central and southwestern coast. Rainfall ranging from 6 to 12 inches could spawn life-threatening landslides and flash flooding in portions of the Mexican states of Jalisco, Nayarit and Sinaloa.Willa has been a danger for forecasters as well. An aircraft with the Air Force Reserve Hurricane Hunters was forced to turn around Monday over concerns for its onboard equipment after getting blasted by a bolt of lightning from one of Willa's outer rain bands, according to the National Hurricane Center.In a tweet Monday, Mexican President Enrique Pe?a Nieto said he has asked the National System of Civil Protection to take all steps necessary to protect those in Hurricane Willa's path, as well as those impacted by Tropical Storm Vicente, a weaker system tracking south of Willa that's also primed to make landfall Tuesday. Vicente is expected to be a tropical depression by the time it comes ashore, the National Hurricane Center said.Airlines have started moving out of Willa's path. Southwest has canceled all of its flights at the International Airport in Puerto Vallarta, a resort city in Mexico's Jalisco state. American Airlines has canceled its flights in the city of Mazatlan about 275 miles north of that.Willa is on track to be one of the strongest hurricanes to ever hit the Pacific coast of Mexico, and its landfall will come three years to the day after the strongest, Category 5 Hurricane Patricia, made landfall in Jalisco.The back-to-back systems of Willa and Vicente have helped make the 2018 hurricane season in the northeast Pacific one for the record books.The season is now the most active hurricane season on record using a measurement called "Accumulated Cyclone Energy," which combines the number of storms and their intensity through their lifetimes to give an overall measurement of tropical activity in a given region.There have been 10 major hurricanes in 2018, including Willa, which ties 1992 as the most major hurricanes seen in the northeast Pacific in one year.Increasing numbers of major hurricanes, along with a greater propensity of storms to undergo "rapid intensification" are expected consequences of?warmer ocean waters resulting from climate change. The ocean waters off the western coast of Mexico are running 1-2 degrees Fahrenheit above average for late October. 3537

Michael Cohen, President Donald Trump's personal attorney, is "under criminal investigation," the Justice Department said Friday.In response to Cohen's motion to restrain the evidence collected in Monday's raids of his home and office, the US attorney in New York asserted the raids were authorized by a federal judge to seek evidence of conduct "for which Cohen is under criminal investigation."The filing redacts what Cohen is under investigation for.The filing contains the first details released by the Justice Department on the searches, which covered Cohen's residence, hotel room, office, safety deposit boxes and electronic devices. 648

Mike Pompeo, the Trump administration's nominee to lead the State Department, made his case for confirmation on Thursday, stressing his service in the military and at the CIA to skeptical lawmakers, and emphasizing the unique place the US holds in the world."America is uniquely blessed, and with those blessings comes a duty to lead," Pompeo said. "As I have argued throughout my time in public service, if we do not lead the calls for democracy, prosperity, and human rights around the world, who will? No other nation is equipped with the same blend of power and principle."The CIA Director, now seeking to become the 70th US secretary of state, is facing an uphill battle at his confirmation hearing before the Senate Foreign Relations Committee, where one Republican and some Democrats are expected to oppose him. Even if Republican leaders take special measures to move his nomination to the broader Senate, the former House lawmaker still faces a tight vote.Pompeo clearly had those concerns and the voting math in mind as he began what was expected to be a day-long appearance before the committee. But his appearance took a quick turn from foreign policy issues to the domestic, when Sen. Robert Menendez, the leading Democrat on the committee, took the opportunity to press Pompeo on President Donald Trump and the special counsel investigation into links between Russia and the Trump campaign.Menendez asked if Trump had ever asked him to "interfere" in the probe by special counsel Robert Mueller.Pompeo said he had been interviewed by Mueller, and is cooperating with special counsel.Pompeo refused to discuss his conversations with the President, but said that Trump has "never asked me to do anything I consider improper." When Menendez pressed Pompeo several times about conversations he has had with Mueller, Pompeo said, "I think it is most appropriate that while the investigations continue, I not speak to the conversations I've had with the various investigative bodies."He added that "there should be no negative inferences or for that matter positive inferences ... that while these investigations continue I not speak to" any of the conversations he had with Trump.He declined to say if the President asked him to do anything about the Comey probe and could not "recall" the nature of a March 2017 conversation where Trump reportedly asked Pompeo to get Comey to pull back.Excerpts of Pompeo's opening remarks made clear that he will promise to push a hard line on Russia, avoid past mistakes with North Korea, raise the costs for Iran's "dangerous behavior," and rebuild the State Department.  2631

Lowe's announced Monday, November 5 that they will be closing 51 stores in the United States and Canada.The home improvement store said in a press release the locations are underperforming.All 51 North American stores will be closed by Feb. 1, 2019.Here are all the locations that will be closing, according to the company's press release.U.S.Alabama 358