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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

Mark Zuckerberg is finally breaking his silence five days after a data scandal engulfed Facebook.The Facebook CEO pledged in a post on Wednesday to take a series of steps to protect user data and said he is ultimately responsible for whatever happens on the platform."We have a responsibility to protect your data, and if we can't then we don't deserve to serve you," Zuckerberg wrote in a Facebook post. "I've been working to understand exactly what happened and how to make sure this doesn't happen again."News broke this weekend that Cambridge Analytica, a data firm with ties to President Donald Trump's campaign, reportedly accessed information from about 50 million Facebook users without their knowledge.Facebook says the data was initially collected by a professor for academic purposes in line with its rules. The information was later transferred to third parties, including Cambridge Analytica, in violation of Facebook's policies.The controversy wiped away nearly billion from Facebook's stock price earlier this week and prompted politicians on both sides of the Atlantic to call for Zuckerberg to testify.Facebook is now facing lawsuits from investors and users as well as a "delete Facebook" movement. The latest member of the latter: Brian Acton, the cofounder of WhatsApp, which Facebook acquired for billion in 2014. 1350

Los Angeles-area protests calling for justice for an 18-year-old man shot and killed by police last week ended Sunday when police reportedly fired tear gas and rubber bullets at protesters.Video from Sunday's demonstrations shows police using chemical dispersants and shooting projectiles at protesters in Compton.One protester told CNN that the confrontation escalated into violence when a demonstrator wouldn't "back down" to police.KCBS reports that six people were arrested for unlawful assembly, and one person was charged with resisting arrest.Demonstrators were calling for justice for 18-year-old Andres Guardado, who was shot and killed by Los Angeles County Sheriff's deputies in an alley behind a Los Angeles auto shop on Thursday.Police say Guardado flashed a gun and then fled as officers chased him. CNN reports that a deputy fired six rounds at Guardado. Investigators say they recovered an unregister semi-automatic pistol at the scene that included an illegal extended magazine loaded with live rounds.Guardado's family maintains that he was working as a security guard at the body shop at the time of the shooting, and added that they do not believe he owned a gun. But police officers claim that Guardado was not recognizable as a security guard because he did not have a uniform on and was not wearing a gun belt.California law also requires that security guards be at least 21 years old.Capt. Kent Wegener, the head of the department's Homicide Bureau, says investigators have taken six or seven exterior cameras from the scene of Thursday's shooting. It's unclear if any of the footage contains images of the shooting itself.Guardado's death marked the second fatal shooting by a Los Angeles County Sheriff's deputy in a week. 1756

Michigan Attorney General Dana Nessel says President Donald Trump's personal attorney Rudy Giuliani "embarrassed the state" on Wednesday in a Michigan House Oversight Committee Wednesday night in which he again attempted to overturn the results of the 2020 election in the state.The meeting featured Giuliani questioning witnesses he brought, as well as unverified and false claims regarding election fraud in the city of Detroit.Nessel, a Democrat, said that Republican members of the committee "embarrassed our state and defamed Michigan's most populous city."Nessel also called on Michigan Republican Party Chair Laura Cox to "put up or shut up" and instead take the evidence Republicans say they have of election fraud to her office for investigation.While Trump has been attempting for several weeks to overturn the results of the election citing widespread voter fraud, his legal team has presented little evidence to support his claim.Attorney General Bill Barr, one of Trump's staunchest defenders, said this week that the DOJ uncovered no evidence of widespread fraud that would change the election results.Several witnesses presented by Giuliani Wednesday say they saw irregularities and fraud while counting ballots at Detroit's TCF Center after polls closed. There is no evidence that proves those claims, and judges have ruled against lawsuits that argued the same claims brought in front of the committee.Giuliani also claimed as he has for weeks that thousands of votes were cast illegally despite offering no evidence to support his claim.Michigan has already certified the results of the November election, with president-elect Joe Biden winning the state by more than 150,000 votes.This story was originally published by Max White on WXYZ in Detroit. 1776

Mick Mulvaney, the director of the Office of Management and Budget, will become the acting White House chief of staff replacing John Kelly, President Donald Trump announced on Friday."I look forward to working with him in this new capacity as we continue to MAKE AMERICA GREAT AGAIN! John will be staying until the end of the year. He is a GREAT PATRIOT and I want to personally thank him for his service!" Trump tweeted.Trump appointed Mulvaney to the position in an acting role about a week after Vice President Mike Pence's chief of staff Nick Ayers declined Trump's offer to become chief of staff, refusing to agree to a two-year time commitment the President had requested.Mulvaney will step down from his role as OMB director, a White House official said.Trump tapped Mulvaney for the position as one candidate after the next withdrew from consideration or agreed with the President to take themselves out of the running, including earlier this week Rep. Mark Meadows of North Carolina and former New Jersey Gov. Chris Christie.Mulvaney had indicated that he was not inclined to take the position of White House chief of staff, with a source close to him instead indicating Mulvaney was interested in moving up to Treasury secretary or secretary of Commerce. 1282