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Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

RAMONA, Calif. (KGTV) -- Firefighters have stopped the forward rate of spread after flames broke out in Ramona Tuesday afternoon. According to Cal Fire, the blaze sparked on the 300 block of Hanson Lane around 1 p.m. Cal Fire says the fire burned four acres of "light flashy fuels."RELATED: Thousands face SDG&E power shutoffs ahead of Santa Ana returnThe fire comes hours before a red flag warning goes into effect throughout parts of San Diego County. The warning will last from 11 p.m. Tuesday through 6 p.m. Thursday. 530

RANCHITA, Calif. (KGTV) -- The bodies of three people killed in a plane crash at Volcan Mountain are being recovered Monday.The victims haven’t been identified at this time. Authorities were finally able to reach the site for the first time Sunday after they said high winds Saturday prevented crews from reaching the location.The crash also sparked a brush fire that CalFire said was 100 percent contained as of Sunday afternoon.RELATED: Three people found dead in plane wreckage that sparked Volcan Mountain fireThe brush fire burned 12 acres in all. Roughly 70 firefighters spend Friday night into Saturday fighting the fire. Friday, officials with the San Diego County Sheriff’s Department said they located the wreckage of a “possible crash site in the area, but couldn’t get to the site due to the fire.The plane’s tail number is linked to another incident in August of 2013, according to a report.RELATED: Crews battling brush fire near Volcan Mountain in Julian area discover plane wreckageDuring the 2013 incident, the twin-engine Beechcraft Duchess experienced a hard landing at Gillespie Field which collapsed a nose gear.  1162

Researchers have determined there are five kinds of cat owners, when it comes to their feelings about their felines roaming and hunting outside.Outdoor cats can be a danger to birds, rodents and small reptiles, and also create dangers for themselves from disease, larger predators and traffic.Researchers at the University of Exeter in the United Kingdom are trying to bring awareness to the downsides of cat outdoor roaming and the impact on wildlife, and published part of their ongoing study. They note that several attempts have been made to address the issues, including reducing the cat population, regulating ownership and restricting feline outdoor access.“Such proposals rarely account for cat owners’ perspectives, however, and are frequently met with strong, principled opposition,” the study’s authors wrote.They found cat owners fell into five “types”:Concerned Protectors focus on cat safety. They are most worried about their pet’s safety outside and would feel guilty if the cat died while roaming. They are likely to keep their cats inside most of the time if not permanently.Freedom Defenders prioritize cat independence and natural instincts, “like a wild animal,” and oppose restrictions on behavior. They believe keeping cats inside is cruel, and that any of the risks of being outside are outweighed by the benefits. They generally are not bothered by their cat’s hunting and some expressed pride in their pet’s hunting abilities.Tolerant Guardians believe outdoor access is important for cats but dislike their hunting and are more likely to bring their cat inside at night. Generally, this group of cat owners try to rescue prey captured by their cats, accepting that their pet is a “carnivorous wild creature” while saving all wildlife.Conscientious Caretakers feel some responsibility for managing their cats’ hunting. They are worried about their cat’s roaming, and the impact on birds and other smaller creatures. This group generally believes cats require outdoor access, but are not opposed to confinement. They are open to hunting-control measures that owners can take.Laissez‐faire Landlords were largely unaware of the issues surrounding roaming and hunting behavior. This group generally is concerned their pet may be stolen, get killed in traffic or get lost if outside roaming. They also have never thought about the effect their cat has on wildlife outside. They also believe belled collars are an effective way to manage their cat’s hunting.The large majority of study participants also felt that cats should be allowed outside at least some of the time. The study’s authors note that four of the five groups viewed hunting to be negative and may be open to more information about how to limit their pet’s predation.They recommend policymakers stay away from “blanket restrictions” and instead work with cat owners on strategies. “Identifying, refining, and promoting viable management tools and alternatives may be a more constructive approach to resolving this issue than regulation,” the study concludes. 3053

Rep.-elect Alexandria Ocasio-Cortez on Wednesday backed House Democratic leader Nancy Pelosi to become House speaker next year once the party reclaims the majority in the chamber, so long as Pelosi "remains the most progressive candidate for speaker," a clear sign of support from one of the Democratic Party's rising liberal stars."All the challenges to Leader Pelosi are coming from her right, in an apparent effort to make the party even more conservative and bent toward corporate interests. Hard pass," the New York Democrat tweeted. "So long as Leader Pelosi remains the most progressive candidate for Speaker, she can count on my support."Ocasio-Cortez, a self-described democratic-socialist, has signaled she was open to backing Pelosi but her series of tweets Wednesday amounted to her strongest and clearest public statements to date supporting the Calfornia Democrat's would-be return to wield the speaker's gavel."I think she's a candidate to consider," Ocasio-Cortez said in June. "And I think when it comes to the leadership of the party that's a conversation that I have, you know, once I'm an elected member of Congress."And more recently, Ocasio-Cortez told Vice News last week that there's "an opening" to supporting Pelosi."I think there's an opening, for sure," Ocasio-Cortez told the publication.?"This is not about supporting or not supporting an individual. It's about making sure that we can get as progressive and aggressive of legislation as a party on climate change as quickly as possible."Ocasio-Cortez added Wednesday her hope that the party can pivot its focus toward their "priorities.""I hope that we can move swiftly to conclude this discussion about party positions, so that we can spend more time discussing party priorities: voting rights, healthcare, wages, climate change, housing, cannabis legalization, good jobs, etc."Pelosi needs a majority to be elected speaker of the House when the new Congress convenes. So far, there are 232 Democrats out of a total of 435 seats. Pelosi can only lose only a small number of Democrats, assuming all 200 current Republicans unite around their own candidate and against her. 2171