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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

President Donald Trump suggested delaying the 2020 presidential election in a Thursday morning tweet while further perpetuating the false claim that mail-in voting leads to widespread voter fraud."With Universal Mail-In Voting (not Absentee Voting, which is good), 2020 will be the most INACCURATE & FRAUDULENT Election in history," Trump tweeted. "It will be a great embarrassment to the USA. Delay the Election until people can properly, securely and safely vote???"Despite Trump's repeated claims to the contrary, there is little evidence that mail-in voting leads to widespread voter fraud. Five states already conduct their elections entirely through the mail: Colorado, Hawaii, Oregon, Washington and Utah.In fact, Trump himself has voted by mail several times.In addition, legal experts say the president does not have the power to move Election Day. The Constitution provides that power to Congress, who passed a law in 1948 specifying election day as the first Tuesday in November. Democrats control the House of Representatives, and it's unlikely that they will vote to move the election at the behest of Trump.According to CNN and The New York Times, several top Republicans have already broken with Trump on the prospect of moving the 2020 election, including Senate Majority Leader Mitch McConnell, House Minority Leader Kevin McCarthy, Sen. Ted Cruz, Sen. Lindsey Graham and Sen. Marco Rubio. Trump has already suggested that he won't immediately accept the results of the election if he were to lose in November. Earlier this month in an interview with Fox News' Chris Wallace, Trump said it would "depend" if he would accept the results in which he lost, citing mail-in voting.Several recent national polls show Trump trailing his presumptive opponent, former Vice President Joe Biden, but double digits. Those same polls also show Trump trailing in key swing states. 1895

President-elect Joe Biden and his wife, Dr. Jill Biden, will receive an initial dose of Pfizer's COVID-19 vaccine in their home state of Delaware on Monday according to Reuters and PBS.Vice president-elect Kamala Harris will also receive the vaccine later this month, the outlets report.Biden said earlier this week that he would receive the vaccine "sooner rather than later," adding that he didn't want to "get ahead of the line, but I want to make sure we demonstrate to the American people that it is safe to take."It's not yet clear whether Biden would receive his vaccination in a live TV broadcast, as Vice President Mike Pence did on Friday morning.Three other former presidents — Barack Obama, George W. Bush and Bill Clinton — have all independently agreed to be vaccinated in a public setting to instill confidence in the vaccine's safety to the public.This story is breaking and will be updated. 915

President-elect Joe Biden has spoken by phone with Pope Francis as he continues to talk with leaders around the world.Biden’s campaign said in a statement that the president-elect thanked the pontiff for “extending blessings and congratulations and noted his appreciation” for Francis’ “leadership in promoting peace, reconciliation, and the common bonds of humanity around the world.”Biden also said he’d like to work with the pope to further “a shared belief in the dignity and equality of all humankind on issues such as caring for the marginalized and the poor, addressing the crisis of climate change, and welcoming and integrating immigrants.”Biden is just the second Catholic to be elected president in U.S. history, and the first after John F. Kennedy. He has spoken openly about the importance of faith in his life and attends Mass near his home in Wilmington, Delaware, nearly every week.Biden has spoken this week with several foreign leaders, including British Prime Minister Boris Johnson, French President Emmanuel Macron and German Chancellor Angela Merkel. 1080

Publix has suspended its political contributions as it reevaluates its giving processes, the national grocery chain said in a statement on Friday. The announcement comes days after Parkland student activist David Hogg called for a "die-in" at the grocery store to protest its support for a Florida gubernatorial candidate backed by the National Rifle Association."We regret that our contributions have led to a divide in our community. We did not intend to put our associates and the customers they serve in the middle of a political debate," the company said in a statement.Publix added: "We would never knowingly disappoint our customers or the communities we serve. As a result, we decided earlier this week to suspend corporate-funded political contributions as we reevaluate our giving processes."Hogg is a survivor of the Feb. 14 shooting at Marjory Stoneman Douglas High School in Parkland, Florida, where 17 people were killed.Since then, Hogg and other survivors launched a national movement to call for gun reform and led a march on Washington called March for Our Lives.On Tuesday, Hogg called on advocates of gun reform to stop shopping at Publix until the company withdraws its support for gubernatorial candidate Adam Putnam, who has earned a top rating from the powerful gun-rights group and even once described himself on Twitter as a "proud NRA sellout."Publix and its leadership have donated 0,000 over three years to Putnam, according to the Tampa Bay Times. He currently serves as Florida's commissioner of agriculture."Anyone who supports an NRA sellout is an NRA sellout," Hogg tweeted. "That is why I am calling on everyone to stop shopping at Publix until they pull their endorsement of Putnam publicly."The following day, he announced plans to hold a protest at two local stores."In Parkland we will have a die in the Friday (the 25th) before memorial day weekend. Starting at 4pm for 12 min inside our 2 Publix stores. Just go an lie down starting at 4. Feel free to die in with us at as many other @Publix as possible," he tweeted.The protest announcement sparked widespread calls on social media for Publix to maintain or withdraw its support of Putnam."At Publix, we respect the students and members of the community who have chosen to express their voices on these issues," the company said in its statement on Friday, before announcing plans to "reevaluate" its process for giving political contributions.The statement was issued shortly before Hogg led a die-in protest at a store in Coral Springs.Participants drew chalk outlines in the parking lot and laid down for exactly 12 minutes inside the store, CNN affiliate WSVN reported.Hogg lay with the protesters in the store's produce isle. Each carried a sunflower, symbolizing the flower Parkland victim Joaquin Oliver bought for his girlfriend for Valentine's Day at the same store before he was killed, according to WSVN.Based in Florida, Publix is the largest employee-owned grocery chain in the United States, employing more than 190,000 people.In the weeks following the Parkland school shooting, many companies -- including MetLife, Delta Air Lines and Alamo Rent a Car -- distanced themselves from the NRA. 3214