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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

Rep. Duncan Hunter and his wife, Margaret, were indicted Tuesday on charges related to the misuse of 0,000 worth of campaign funds for personal expenses and the filing of false campaign finance records.The charges of wire fraud, falsifying records, campaign finance violations and conspiracy were the culmination of a Department of Justice investigation that has stretched for more than a year, during which the Republican congressman from California has maintained his innocence.Republican Party leaders had long worried that with a potential indictment looming, Hunter's traditionally safe district which makes up much of eastern San Diego County could be at risk of Democratic takeover in November's midterm election.Hundreds of thousands of dollars in unusual charges on Hunter's campaign credit card had come under scrutiny, including among other things, an Italian vacation, dental work, purchases at a surf shop, and huge tabs at bars in restaurants in the San Diego and Washington DC areas. Among the most mocked charges was airfare for a pet rabbit to fly with the family, which an aide said was mistakenly charged to the wrong credit card.Hunter, a former Marine, has reimbursed his campaign account some ,000 since the Federal Election Commission first questioned spending on video games in 2016, according to Federal Election Commission records."There was wrong campaign spending, but it was not done by me," Hunter told KGTV-10, a San Diego television station, earlier this year.His comments have cast blame on his wife and former campaign manager, Margaret Hunter, who also made charges on the campaign credit card.Hunter's lawyers said last year that "any mistakes were made they were strictly inadvertent and unintentional."California's 50th District is a staunchly Republican district with many current and former military families that covers much of eastern San Diego County. The Congressman's father, Duncan L. Hunter, represented parts of the district (which changed after redistricting) and has rallied donors and supporters to his son's side.Hunter's Democratic challenger, Ammar Campa-Najjar, a former department of labor aide in the Obama administration, has repeatedly outraised him.Many Hunter allies believe he will stay in his House seat while fighting the charges.Even if a federal candidate chooses to withdraw from contention, their name will remain on the ballot unless they seek removal of their name from a judge, according to the California Secretary of State's office.At this late juncture, there is no possibility of a write-in campaign. Only Hunter and Campa-Najjar will appear on the November ballot, since they were the top vote-getters in California's top-two primary in June.This is a breaking news story and will be updated.   2789

Rental car company Hertz wants to help you get to the polls on Election Day.In a press release, the company announced that it offered a free rental day for customers who reserve a car for two days and pick it up either on Nov. 2 or Nov. 3."We want to make it easier for people to exercise their right to vote – especially those who need safe and reliable transportation," said Laura Smith, Hertz Executive Vice President of Global Marketing and Customer Experience, in the news release. "We're happy to provide local and convenient mobility options to the communities we serve on Election Day."The promotion is valid at any Hertz neighborhood locations in the US.The company said customers must use the CDP code 210350 when making the reservation online. 762

Raptors spokesperson on release of video footage involving team president Masai Ujiri and a Bay Area police officer in moments after end of 2019 NBA Finals: pic.twitter.com/sPq6y1tbw5— Adrian Wojnarowski (@wojespn) August 19, 2020 238

R. Lee Ermey, the actor known for his Golden Globe-nominated role as an intimidating drill sergeant in "Full Metal Jacket," died Sunday at the age of 74, according to a statement from his manager.Ermey died from complications of pneumonia, according to Bill Rogin, his manager, in a post on Twitter. CNN's calls and emails to Rogin were not returned.Ermey played the role of the tough Gunnery Sgt. Hartman who trains a new group of recruits in the 1987 film "Full Metal Jacket." He received a Golden Globe best supporting actor nomination for his role in the movie directed by Stanley Kubrick.The Vietnam veteran brought authenticity to the role after having spent 11 years in the Marine Corps from 1961 to 1972. He spent two years as a drill instructor at the Marine Corps Recruit Depot San Diego and rose to the rank of Staff Sergeant. He was medically retired for injuries in 1971 and in 2002 he received an honorary promotion to Gunnery Sergeant, according to a biography on his website. "It is extremely difficult to truly quantify all of the great things this man has selflessly done for, and on behalf of, our many men and women in uniform," Rogin said in a statement issued on Facebook. "He has also contributed many iconic and indelible characters on film that will live on forever."The US Army tweeted: "Rest In Peace, Gunny. We are grateful for your service to our country and for supporting our servicemembers. Semper Fi."Ermey also appeared in movies such as "Dead Man Walking," "Seven," "Prefontaine" and "Leaving Las Vegas."He also did voice overs and lighter content, lending his voice to "The Simpsons" and "Family Guy," as well as the "Toy Story" movies, where he voiced Sergeant or just "Sarge," the green Army soldier.Ermey was born in Emporia, Kansas, on March 24, 1944.After serving in the Marines, he enrolled at the University of Manila in the Philippines by using his G.I. bill benefits and he studied drama. "Apocalypse Now" was being filmed in the area and that's where Ermey had his first featured role in an acting career that spanned both film and television, according to his website."The real R. Lee Ermey was a family man, and a kind and gentle soul. He was generous to everyone around him. And, he especially cared deeply for others in need," Rogin said in a statement."Please support your men and women in uniform. That's what he wanted most of all."  2399