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Rising prices and plummeting listings — not to mention a global pandemic, record unemployment and recession — didn’t keep first-time home buyers from the market in the second quarter of 2020.Ordinarily, in April, as the second quarter of the year begins, homebuying season is well underway, and inventory and prices are both rising toward a summer peak. But the second quarter of 2020 was unusual, to say the least.Across the nation and among the most populous metropolitan areas, prices increased modestly in the second quarter and inventory became even more constrained in an already sparse market. Homeowners who’d been planning to sell reconsidered — though listings ticked up slightly in April, they fell sharply in May and June — and people who’d been thinking of buying, at a minimum, took a beat. But real estate professionals scrambled to implement virtual tours and finalize home purchases in parking lots, and market participants, particularly economically secure buyers, cautiously came out of hiding.Lured in part by record low mortgage rates, first-time home buyers made up 35% of existing home sales in June, according to the National Association of Realtors, a higher share than in the past several years. For first-timers who have stability in the COVID-19 economy, and the wherewithal to stomach a highly competitive market, buying can still make sense.In this quarterly report, we analyze median incomes in the first-time home buyer age range (25-44) compared with listing prices among the 50 most populous metro areas to come up with an affordability ratio. Budgeting for a home that costs roughly three times your annual income (an affordability ratio of 3.0) has been a rule of thumb for years, but first-time buyers often have to stretch beyond this to account for higher prices in metro areas and their lower incomes compared with repeat buyers. By weighing the affordability ratio versus home availability in the largest metro areas, we can get an idea of the conditions first-time buyers are facing when they set out to become homeowners.By looking at both quarter-over-quarter and year-over-year changes, we can get a better picture of the effects of the COVID-19 economy on this year’s homebuying market. The former can provide insight into chronological market responses to the pandemic — our first-quarter affordability report captured data only through March, just the beginning of 2020’s atypical spring season. The latter can show how this year’s second quarter contrasts with similar periods in relatively normal times.Affordability down overallHouses got slightly more out of reach for first-time home buyers in April through June, rising nationally from 4.5 times first-time home buyer income in the first quarter to 4.7 times in the second, and among the 50 largest metros from 5.1 to 5.2 times first-time buyer income. This trend is expected at this time of year. Home prices rise as the housing market heats up in the late spring and summer, but incomes don’t rise in a similar seasonal fashion. If anything, we might’ve expected a more dramatic change, but economic uncertainty on the part of sellers could have kept steeper list price increases at bay.Nine of the 50 metros analyzed bucked this trend and saw affordability improve, but barely, sometimes only by a fraction of a percent.The five most affordable metros for first-time home buyers in the second quarter include Pittsburgh (homes listed at 3.1 times first-time buyer income), St. Louis (3.4), Cleveland (3.5), Hartford, Connecticut (3.5), and Buffalo, New York (3.6). The least affordable, all in California, include Los Angeles, topping the list for the second quarter in a row, with homes listed at 12 times first-time buyer income; San Diego (9.0); San Jose (8.2); San Francisco (7.6); and Sacramento (6.6).First-time buyer guidance: Homes get less affordable in late spring to early summer, and in this regard, the second quarter of 2020 is no different. First-time buyers who are economically secure may be able to make up for the rise in home prices by qualifying for record low mortgage rates. For example, the monthly payment on a 0,000 mortgage at 4.1% interest — roughly the average rate a year ago — is ,160 per month, with 7,483 in interest over the 30-year life of the loan. However, at today’s rate of 3.1%, you’d pay ,025 per month and 8,942 in interest over the life of the loan — nearly ,000 in savings, total, and a 5 monthly break on your payment. Use a mortgage calculator to see what the difference in rates means for your budget.Unseasonal scarcity in the second quarterEven in years when supply is limited, an influx of homes hits the market during the spring homebuying season. Nationally, inventory grew 10% from the first to the second quarter of 2018, and 6% during that period last year. But in 2020, nationwide inventory dipped, albeit slightly, by about 2% quarter-over-quarter.Half of the largest metros in the country saw a decrease in average active listings from Q1 to Q2, with the largest quarter-over-quarter declines in Cleveland (-17%), Louisville, Kentucky (-14%), and Memphis, Tennessee (-14%). However, other large metros saw remarkable increases: San Jose (+62%), Denver (+47%) and San Francisco (+39%), for example. These dramatic climbs helped push the average quarter-over-quarter change among the largest 50 metros to +4%.Stepping back to look at year-over-year changes and how the supply of homes changed from Q2 2019, we found inventory dropped 23% among the 50 largest metros, on average, with 21 metros witnessing a decrease in available homes of 25% or more. Active listings in Las Vegas decreased 8%, the smallest quarterly drop of any metros analyzed and the only one of less than 10%.We’ve been in a strong seller’s market for some time now, as the supply of homes hasn’t kept pace with demand. Having fewer homes hitting the market during the first months of the pandemic only stood to worsen the situation. A highly competitive market has grown even more so, and buyers without room to negotiate could be priced out entirely.First-time buyer guidance: If you’re at all uncertain about your economic security this year and buying would mean an increase in overall housing costs or leave you with no source of emergency funds, you may want to postpone your first home purchase. The low supply of homes means you’re less likely to find a home that checks all the boxes on your wish list. A loss of income, a bout of poor health or caring for a sick loved one could be overwhelming on top of a down payment, closing costs and the expenses associated with moving.Home prices rise, as expectedWe expect prices to rise as the housing market heats up, and if 2020 is sticking to the script in any way, this is it. From the first quarter to the second, national median list prices grew 7% in 2018 and 8% in 2019. This year, they grew 7% nationally, and slightly less, 5%, on average, among the largest metros, quarter-over-quarter.Year-over-year growth was similar, rising about 3%, on average, among the 50 largest metros, after adjusting for inflation.This overall relatively unremarkable growth in prices is one silver lining for first-time buyers. Having a dramatic shortage of homes for sale could drive prices up, but it doesn’t appear that sellers are listing their homes disproportionately higher than last quarter or than at this time last year. That said, list prices are only part of the story, and there’s little doubt that the lack of supply is driving hard bargaining in the negotiation process.First-time buyer guidance: The price you see on a listing doesn’t tell the whole story. If you’re shopping in a seller’s market, be ready to act fast with an offer and compete with other buyers. You may end up paying more than list price, so shopping for homes listed under your max budget will give you a little more wiggle room if you find yourself in a bidding war.Metro spotlight: Cincinnati, Cleveland and ColumbusOhio has three metro areas in our analysis. It was also among the first states to begin canceling large events, declare a state of emergency and issue statewide restrictions to slow the spread of COVID-19. These factors may have played a role in changes in the local housing markets.Cincinnati, Cleveland and Columbus were some of the more affordable populous metros in the second quarter, with home prices averaging 4.7, 3.5 and 4.5 times the median first-time home buyer income, respectively. Even so, all three showed rising prices compared with the same period last year. Median home prices in Cincinnati rose 12%, the third-highest increase of all metros analyzed.But the big story in these Ohio metros is a lack of availability. Though inventory among all metros analyzed fell 23%, on average, compared with last year, it fell 34% in Cincinnati, 33% in Cleveland and 25% in Columbus.When comparing this quarter’s listed homes with last quarter’s, we find a similarly dramatic decrease. Cleveland saw the largest quarter-over-quarter dip in active listings among all metros analyzed: inventory fell 17% from the first quarter. Active listings fell 10% in Cincinnati and 7% in Columbus at the time of year when most markets would typically be flooded with home listings.The one thing saving buyers from being completely locked out of homeownership: affordability. So while finding a home will prove tricky due to a lack of inventory, homes on the market are more likely to be within budget for first-time buyers.Analysis methodology available in the original article, published at NerdWallet.More From NerdWalletMortgage Outlook: A Light Lift to September RatesSmart Money Podcast: Lower Mortgage Rates, and Moving During a PandemicMortgage Outlook: Recession Presses Down on August RatesElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 9901

SACRAMENTO, Calif. (AP) — A rookie Sacramento police officer who died during a domestic violence call was ambushed by a gunman and had no chance of surviving after she was shot, police said.The disclosure came late Friday amid criticism that it took police 45 minutes to get to 26-year-old rookie Officer Tara O'Sullivan during the armed standoff.O'Sullivan was later pronounced dead at a hospital.O'Sullivan was hit several times and one of the wounds was "non-survivable," Sgt. Vance Chandler said at a news conference where the department released police body camera video of the Wednesday night attack.Police Chief Daniel Hahn said the gunman had stashed two assault rifles , a shotgun and handgun in different rooms and opened fire as officers knocked on the door."The officers were essentially ambushed," Hahn said.He said patrol car doors and protective vests couldn't stop the high-powered rifle rounds, and if officers had tried to rescue their fallen colleague before an armored vehicle arrived, "we would have additional officers murdered.""Under the most dangerous and trying circumstances, our officers performed admirably," the chief said.Earlier in the day, suspect Adel Sambrano Ramos, 45, was charged with murder, attempted murder and possessing two illegal assault rifles.O'Sullivan was standing behind her training officer, Daniel Chip, when she was struck, police said.Footage from Chip's body camera showed him approaching a detached garage with his gun drawn, knocking and calling out: "Hey, Adel, Police Department... You're not under arrest, you're not in trouble."The officer then opens a screen door and begins to cautiously enter the open doorway, asking Adel if he is inside and repeating: "You're not in trouble, dude."At that moment, more than 20 rapid shots are heard. The officer runs for cover and radios that a high-powered rifle is being fired."Officer down! Officer down!" he says.Police said the gunman had opened fire from a house behind the officers and barricaded the front door.The charges against Ramos carry special circumstances, including that he killed O'Sullivan while lying in wait, an allegation that would allow authorities to seek the death penalty. However, that decision is months away and Gov. Gavin Newsom has imposed a moratorium on executions.Ramos is set to appear Monday for his first court appearance. Public defender Norm Dawson said he couldn't comment until he receives more details in the case.Police said the gunman strategically shot at officers for hours, using all the weapons kept in different rooms. He surrendered after an eight-hour standoff.Nine days before the officer's killing, a judge issued a warrant for the arrest of Ramos for failing to appear on a charge of battering a young woman.Police said the gunman opened fire as O'Sullivan and other officers helped an unidentified woman clear out her belongings from the garage of a North Sacramento home.Police earlier found two guns in a neighboring home associated with Ramos and learned about the warrant in the battery case. Five officers went to find him before the ambush occurred, police said.Authorities said lower-level warrants like the one Ramos faced rarely lead police to actively seek an arrest."I cannot tell you even in my (30-year) career where we had a misdemeanor bench warrant and we went out looking for somebody. That's just not practical," California Police Chiefs Association President Ronald Lawrence said. "Clearly you had a person who had a propensity for violence and wasn't held accountable for earlier crimes."Ramos has a history of domestic violence restraining orders, but most recently was charged in November with simple battery against a minor woman in September.Defense attorney and former prosecutor William Portanova, who is not associated with the case, said simple battery "means a slap or a push or a shove, but there's no bruises or stitches or bleeding and nothing is broken."Ramos failed to appear in February and a bench warrant was issued then withdrawn when he resurfaced. Another was issued June 10 and was active when O'Sullivan was shot.Sacramento County Sheriff's Department spokeswoman Sgt. Tess Deterding said many times deputies won't arrest lower-level fugitives even if they discover an outstanding warrant, because the offender would simply be released again with a new order to appear in court."I think it largely depends on the scenario at the time. Is this a person that needs to go to jail right now? Is this a solution to the problem that I have?" she said.Portanova said it's a reality of understaffed police agencies that so many warrants remain outstanding."Citizens are paying the price," he said. 4696

SACRAMENTO, Calif. (AP) — California plans to release another 3,100 inmates and in total will release more than 10,000 state inmates early in response to the coronavirus pandemic. In all, California's efforts could free nearly 10% of prisoners as Gov. Gavin Newsom responds to intensifying pressure from advocates, lawmakers and federal judges. His latest effort will soon free about 3,100 inmates by granting most a one-time three-month credit. It follows other measures that are expected to quickly lead to the release of about 7,000 inmates six months before they normally would have been paroled. The 12-week credit applies to every inmate except those who are on death row, serving life-without-parole, or who have a serious recent rules violation. 761

ROME (AP) — Cruise ship passengers had temperatures checked and took COVID-19 tests Sunday so they could set sail on what is being billed as the first Mediterranean cruise after Italy's pandemic lockdown. The cruise ship company MSC has made the procedures, for crew as well as passengers, part of its new health and safety protocols. The MSC Grandiosa departed from the port of Genoa on Sunday evening for a seven-night cruise. Earlier this month, the Italian government gave its approval for cruise ships to depart from Italian ports. The cruise around the western Mediterranean was limited to 70% capacity but MSC declined to say how many passengers were on board. 675

Ru-El Sailor is still not completely a free man, even after he was released from prison last week, moments after his 2003 murder conviction was vacated in Cuyahoga County, Ohio court.Sailor now ordered to wear an ankle monitor for 120 days, due to an Ohio Department of Rehabilitation and Correction regulation that requires those released from a maximum security prison to be monitored and not leave the state.The ankle monitor requirement was imposed, even though Sailor spent 15 years in prison for a crime he didn't commit.Sailor believes a change in state law is needed to prevent this from happening to others exonerated here in Ohio."Desperately needs to be changed, desperately needs to be changed," said Sailor."If I have to be the one that has to bite the bullet first and open the door for others, then I don't mind biting the bullet.""I'll wear this ankle monitor for four months or a year if I have to, if it's going to make change for other people behind me to come and not have to go through the same things I went through," he said.Black on Black Crime Incorporated, which also fought for Sailor's release, along with the Ohio Innocence Project, agrees a change in ankle monitor requirements are needed in cases of wrongful conviction.Black on Black Crime Inc. President Al Porter Jr. said his organization will ask for a change in state law."The state law definitely does have to be changed," said Porter."We will stand also to make sure that the next person doesn't have to go through this, especially once they've been freed, and proven innocent beyond a shadow of doubt."Sailor's legal team said it is working to resolve the ankle monitor situation.Meanwhile, Sailor told News 5 the ankle monitor isn't stopping him from working on starting his own business.Sailor said he would like to create a service that would shuttle family members who want to visit loved in prison across the state. 1927