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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 CITY— The U.S. State Department has issued a travel warning for Mexico following reports that eight bodies were found in the resort town of Cancun.According to Newsweek, the bodies of a man and woman were found in the trunk of an abandoned taxi early Monday, and the bodies of two other men were found dismembered in plastic bags at a nearby location.A fifth man was reportedly found bound and shot to death on Tuesday, a sixth man was "murdered in a hammock," a seventh person was shot and left covered by a bag, and the eighth victim was found decapitated in a Tres Reyes neighborhood. 607

Mass shootings and acts of terrorism may dominate headlines, but it's the homicides and, to a lesser extent, the suicides that happen out of the spotlight that make up the bulk of firearm-related deaths around the world, according to a study published Tuesday in the journal JAMA. More gun deaths happened outside of war than in it during the years researchers examined (1990 through 2016) in 195 countries and territories.Worldwide, an estimated 251,000 people died by gun in 2016. In 1990, there were 209,000 firearm-related deaths. Accounting for population growth, that's an annualized rate decrease of 0.9 percent.Gun deaths are predominantly concentrated in six countries that make up less than 10 percent of the world's population. The United States, Brazil, Mexico, Colombia, Venezuela and Guatemala together account for more than half of the gun-related deaths worldwide.In 2016, the majority of global firearm deaths -- an estimated 64 percent -- were homicides. Suicides accounted for 27 percent of the gun deaths. A small fraction, about 9 percent of gun deaths, were accidental.If you were to look on a map, the highest numbers of gun-related homicides are concentrated in a belt that stretches from Mexico through the Caribbean to Brazil. Many of these homicides involve drug cartels, the authors suggest, and there's a problem with organized crime and the illegal gun trade.El Salvador saw the greatest concentration of gun-related homicides in 2016, with 38.9 per 100,000 people. By comparison, Singapore, the country that had the fewest, had 0.1 gun-related homicides per 100,000."The sheer magnitude of these deaths and the range in firearm-related deaths is extraordinary," said the study's senior author, Chris Murray, director of the Institute for Health Metrics and Evaluation at the University of Washington.The most vulnerable demographic to gun violence was men between 20 and 24 years old. Men were also the biggest perpetrators of gun violence.Suicide-by-gun rates declined globally between 1990 and 2016. Some countries, though, struggled with this public health crisis. In 2016, Greenland had the highest number of firearm suicides, with 22 deaths per 100,000 people. The US had the second-highest number, with 6.4 deaths per 100,000 in 2016."The US really has quite marked rates around suicide," Murray said. "That was a surprise to me."For perspective, the United States has 4.3 percent of the world's population, but suicide by gun there represented 35.3 percent of all firearm suicides in the world in 2016. By comparison, there were twice as many firearm suicides as gun-related homicides in 2016 in the US.Americans also own more guns per capita than residents of any other country, with about four in 10 Americans saying they either own a gun or live in a home with guns, according to a 2017 Pew Center study.Americans have been killing themselves more with guns over the past decade, but homicide numbers have been relatively flat. The US ranks 30th in the world for total number of homicides, according to the study.The highest increase in gun-related suicide rates in this time period was in Jamaica, and Singapore had the fewest gun-related suicide deaths. These numbers, Murray said, are an important reminder about how widespread this public health problem is.There is no one single trend behind gun violence. Drugs, alcohol, a lack of mental health services and domestic violence are often to blame, as is poverty, the study suggests."Places with high rates of firearm mortality that are getting worse tend to be places with weak government institutions, especially in the criminal justice system or social upheaval," Daniel Webster, who has written extensively about gun violence as director of the Johns Hopkins Center for Gun Policy and Research, wrote in an email. Other things that stood out from these numbers, he said, is that while the "measures aren't great," he said, "there is a connection: more guns, more gun-related deaths."Webster, who was not involved in the new research, added that the general downward trend in firearm mortality is something that stands out because "we tend to think of our current rates of gun violence as the worst ever, but there has been great progress" toward stemming some of this violence.Laws that seem to limit gun violence include ones that strengthen background checks and require permits for ownership, the study authors said. More restrictions on guns in Brazil and South Africa seem to suggest a link between a reduced access to gun ownership and a lower number of gun-related suicides and homicides. 4601

MADISON, Wisc. -- The classic holiday song "Baby It's Cold Outside," has been pulled from a Madison, Wisconin radio station's airwaves.According to our partners at WISC-TV, Mid-West Family Broadcasting Program Director Fletcher Keyes said he took all versions of "Baby It's Cold Outside" out of rotation on Hank AM 1550 and 97.7 FM Monday. Keyes said that the song was pulled because "it's describing a scenario that wouldn't be OK today, so we didn't feel that we had to have it." He also said that he thinks the song could bring up bad feelings. The song was also pulled from a Cleveland radio station last week.“It really pushed the line of consent,” Cleveland Rape Crisis Center President and CEO Sondra Miller told local news in that city.For more information, click here. 825

LOUISVILLE, Ky. — A third person who served on the grand jury that weighed charges against the police officers involved in the raid that led to the death of Breonna Taylor says she felt the investigation was incomplete.In an interview with The Associated Press, the woman said she thought prosecutors wanted only to give the officers involved "a slap on the wrist and close it up.""I felt like there should've been more charges," she told the AP in a phone interview.Taylor was killed on March 13 when officers conducted a narcotics raid on her apartment. Taylor's boyfriend, Kenneth Walker, said he drew a gun when he heard a pounding at the door. He maintains officers did not identify themselves and says he fired at officers when they breached the door, thinking they were intruders.Officers returned fire, killing Taylor. Kentucky Attorney General Daniel Cameron, who investigated the case, said officers were justified in returning fire because they were fired upon first.While officers say they did identify themselves as police and say a witness in the building also testified that they heard police ID themselves, several of Taylor's neighbors are on record as saying they did not know who was at the door.One officer, Brett Hankison, was charged with a crime in connection with the incident. He faces three counts of wanton endangerment for firing his gun toward the apartment building following the raid. No officers faced charges in connection with Taylor's homicide."All of (the officers) went in blindly, you really couldn't see into that lady's apartment as they explained to us, there was just a TV on," the grand juror told the AP of Taylor's apartment. She added that officers "went in there like the O.K. Corral, wanted dead or alive."The grand juror told The Associated Press that she was surprised that they were not presented with the opportunity to consider other charges. She also took issue with Cameron's justification in September that grand jurors had "decided" not to charge the other officers with a crime."I felt like he was trying to throw the blame on somebody else, that he felt like, we as jurors, we weren't going to (speak) out," she told the AP. "He made it feel like it was all our fault, and it wasn't."Typically, grand jury proceedings are held in secret and details of their investigations are held tightly under wraps. But following Cameron's press conference, a judge issued a ruling that allowed grand jurors to speak publicly about the process. Two grand jurors have since come forward to express their frustrations with how the case was handled."I didn't feel that the family was getting justice," the grand juror said. 2674

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