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If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

In an interview with Fox News on Thursday, Donald Trump Jr. stated he "went through the CDC data" and claimed the number of deaths caused by COVID was declining to "almost nothing.""Why aren't they talking about deaths? Oh, oh, because the number is almost nothing. Because we've gotten control of this thing. We understand how it works," Trump Jr. said on “The Ingraham Angle.”Per Johns Hopkins, 90,728 new cases were reported in the U.S., and at least 1,004 Americans died on Thursday.According to the Centers for Disease Control and Prevention, their recent data is “provisional" and often behind data gathered by counties and other sources.The CDC also updated its forecast of virus deaths stating "an uncertain trend in new COVID-19 deaths reported over the next four weeks and predicts that 3,900 to 10,000 new deaths will likely be reported during the week ending November 21, 2020.” 898

IMPERIAL BEACH, Calif. (KGTV) - Rainfall rolling through San Diego County this weekend and through the rest of the week have prompted a water contact closure in the South Bay.County environmental health officials issued the water contact closure for Imperial Beach's shoreline Sunday, expanding an existing contact closure along the Tijuana Slough National Wildlife Refuge shoreline.The closure now extends north to include all of Imperial Beach.RELATED: Border patrol agent says he got flesh-eating bacteria from Tijuana River runoffRecent rainfall has caused sewage-contaminated runoff in the Tijuana River to enter the Tijuana Estuary. That water has likely made its way to Imperial Beach, officials said.Signs warning beach-goers of the water dangers have been posted and will remain until deemed safe.The closures along South Bay's coastline have become common occurrence after rainfall flowing out of the Tijuana River. Officials continue to call for action from federal and state lawmakers to address to constant dangers runoff has posed to the area. 1075

I will be overturning this ridiculous order immediately! https://t.co/sFIX5Y667v— Donald J. Trump (@realDonaldTrump) October 1, 2020 140

If you've notice delays in the delivery of your packages or higher prices for some of things you order, a shortage of truck drivers may be to blame. A new program is hoping to bring some relief, but some worry it'll make roads less safe.The program trains teenagers to drive cross country. Elijah Amos is one of the teens involved with the program and working towards getting his commercial driver’s license.“I think we really did it for me is driving,” Amos says. “Because I really like driving and I feel like you get paid a decent amount of money. Just to drive.”But since he's 18, he won't be able to drive from state to state. He'll have to wait until he's 21. However, a new government pilot program will soon allow some drivers as young as 18 to drive cross country.“I feel like it would open up more job opportunities,” Amos says. “And maybe it opened up the eyes to some of the younger people maybe like actually try and do it.”The program would be available to some members of the National Guard and others with military experience. But in March, House Republicans introduced a bill to lower the commercial driving age to 18 for anyone driving state to state. Their goal? To fight a nation-wide truck driving shortage.Quincy Jones, who directs Sage Truck Driving School, says it's been challenging to attract driving students. He says ultimately, consumers pay the price.“Shipping costs get passed down the consumer,” Jones says. “So if there's a shortage, those aren't getting picked up as frequently. And so who pays them? We do. We all pay. Consumers do."The American Trucking Associations says the shortage is expected to hit 63,000 this year. But with motor vehicle drivers aged 16 to 19 being nearly three times more likely than people over 20 to fatally crash, not everyone believes teen drivers are the solution to the problem.“Younger people have less experience driving for all types of vehicles,” says Norita Taylor, with the Owner Operators Independent Drivers Association. “And so the crash rates are higher for younger people, and so we think it would be a dangerous idea.”Sponsors say the bill would require teens complete at least 240 hours driving supervised by a veteran driver.  2240

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