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Michael Cohen, Donald Trump's former lawyer, pleaded with the American public on Friday to head to the polls and vote against the President and the Republican Party, predicting that if they did not, there would be two or six more years of "craziness.""Listen, here's my recommendation. Grab your family, grab your friends, grab your neighbors, and get to the poll, because if not, you are going to have another two or another six years of this craziness," Cohen told CNN in a brief interview outside of his Manhattan home. "So, make sure you vote. All right?"Cohen's remarks marked his first on-camera comments to the media since he pleaded guilty in August to eight criminal counts.Cohen's lawyer, Lanny Davis, said his client changed his party registration back to Democrat last week. Cohen was a Democrat for years, but changed his official registration to Republican after the 2016 election.Asked about that decision to change his party registration, Cohen told CNN: "I've been Democrat for pretty much my whole entire life. I switched because of a request of the RNC. Couldn't be the vice chair of the RNC and be a Democrat."CNN reported this week that Cohen is now willing to campaign for Democrats -- and against Trump -- in the midterms and the 2020 presidential election. Notably, he is prepared to call out anything he views as lies told by the President, a source with knowledge said."The #MidtermElections2018might be the most important vote in our lifetime," Cohen tweeted over the weekend, adding: "#GetOutAndVote#VoteNovember6th"The 52-year-old has in recent weeks met with investigators from special counsel Robert Mueller's office. On Wednesday, he met with investigators from the New York State Attorney General's office and the Southern District of New York.On Friday, Cohen walked away and ignored CNN's question about his meeting with investigators.In addition to tax evasion and making false statements to banks, Cohen also pleaded guilty in August to campaign finance violations. He said in a courthouse that "in coordination and at the direction of a candidate for federal office" -- Trump -- he kept information that could have harmed the President from becoming public during the 2016 election.Cohen orchestrated a payment to adult film star Stormy Daniels before the 2016 election in an effort to silence her about her alleged affair with Trump. He was also involved in a similar hush agreement related to Karen McDougal, a former Playboy model who also alleges to have had an affair with Trump, who has denied sexual relationships with both of them. 2585

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

LOUISVILLE, Colo. — It's been five months since Jonas Asner's last trip home to Colorado. This visit has an important purpose."I had to fly home to vote," Asner said.Asner's parents, Chris and Lisa Hall, sent his ballot to North Carolina on Oct. 14, where Jonas goes to school. His father, Chris Hall, purchased priority mail through USPS. The ballot was supposed to arrive in two to three days. However, the deadline kept creeping closer and closer with no sign of the envelope.Fearing it wouldn't show up on time, the family was determined to get his vote in."It just became very clear that there was only one way our child was going to be able to vote and that is if you came here to vote," said Asner's mother, Lisa Hall.Asner flew from North Carolina to Colorado Sunday night, voted Monday, and flew fly back Tuesday morning."It was definitely cool to vote in my first presidential elections as a milestone in my life," Asner said.Asner says his parents emphasized the importance of voting."To be able to have a voice in my country is really important to me," Asner said.Editor's note: This story was produced with the help of tips reported through ProPublica's Electionland project. If you experience or witness a problem voting, please let us know.This story was first reported by Gary Brode at KMGH in Denver, Colorado. 1335

MENTOR, Ohio — A simple box that might look more at home in an apartment building is what the U.S. Postal Service says is the future of daily mail delivery. "We've gone to all Cluster Box Units, at the request of the U.S. Postal Service," said Sommers Real Estate President Rick Sommers. He says every new development that real estate groups like his build have the simply boxed called Cluster Boxes. The Postal Service says they cut down on the cost of individual boxes, locked boxes keep sensitive mail safe and make delivery a one-stop shop. "Obviously the post office truck doesn't have to stop at every house, blocking traffic," said Sommers.It's a trend that could help with some mail delivery concerns we told you about in the past. Residents near Akron were concerned with inconsistent delivery and letters going to their neighbors' homes.Sommers says this new way is going to be even more common in Northeast Ohio as the housing market continues to climb."There weren't any lots developed from about 2005 to about 2011, so there was a pent-up demand for new lots now that the housing market is back and strong," said Sommers.The Postal Service says the boxes could foster a stronger sense of community, almost like a new water cooler. Walking to the same spot to get their mail creates a place where neighbors can get to know each other, or even just get out for a stroll."We are designing and integrating walking paths throughout the communities, even though it is Northeast Ohio and we have some bad weather," said Sommers.One concern is that without mailboxes it might be harder for the police or fire departments to find the addresses that need their help. All the departments we spoke to say it hasn't been a problem, as long as home addresses are clearly labeled, even without a mailbox.If you are having issues with your mail delivery, you can contact the U.S. Postal Service at usps.com or over the phone at 1-800-275-8777 (1-800-ASK-USPS). 2010

MESA, Ariz. -- An Arizona "Dreamer," business owner and soon-to-be father was detained by ICE agents after serving time for a DUI charge in Mesa. His pregnant wife is due any day now and is hoping an online petition will help convince a judge to let her husband out on bond so he can see the birth of their daughter.Justine Dachel and Misael Trujillo met at Jewel's Bakery and Cafe in Phoenix, which they now own and run together. They got married in December."Our restaurant would fail if he wasn't able to be here," said Dachel.Trujillo is a "Dreamer." His parents brought him to the United States when he was a child, and until recently, he was a DACA recipient protected from deportation. The Deferred Action for Childhood Arrival program allows undocumented immigrants brought as children to live and work in the U.S.In 2018, Mesa police reports show Trujillo was charged with "DUI- impaired in the slightest degree" for marijuana. Trujillo tried to fight the charge for more than a year and finally took a plea deal, thinking he'd be able to choose a jail in California and avoid deportation. However, because of COVID-19 restrictions, Trujillo had to serve in Mesa, and ICE agents were notified. He was taken into custody on June 29.According to an ICE spokesperson, Trujillo remains in ICE custody while he awaits a hearing with an immigration judge with the Department of Justice’s Executive Office for Immigration Review.The spokesperson also gave KNXV this statement for background on the process:"ICE lodges detainers on individuals who have been arrested on criminal charges and who ICE has probable cause to believe are removable aliens. The detainer asks the other law enforcement agency to notify ICE in advance of release and to maintain custody of the alien for a brief period of time so that ICE can take custody of that person in a safe and secure setting upon release from that agency’s custody."Dachel said Trujillo was sober when he was driving, but blood tests showed he had traces of marijuana in his system. Still, she said that shouldn't be enough to remove someone from the only home they've ever known."Yes, pay the fines, do the community service, do the work they need to do, but if they are not a harm to society, and they make a mistake--we all make mistakes," said Dachel. "It's just not fair."Dachel is an American citizen. She is 39 weeks pregnant with their baby girl they've named Beni."Because of corona, he's actually the only one allowed in the room with me. So if he doesn't come home, then I'll be by myself," she said.Ezequiel Hernandez is an immigration attorney in Phoenix. He's not representing Trujillo. He said Trujillo will have to go through the deportation proceedings, and the first step will be to get him out on bond. He said a judge will take several factors into consideration."The fact that he's been here for 20 years, the fact that he's married to a U.S. citizen, the fact that he's about to have a baby, the fact that it has been his only crime, the fact that he has a business, he was in the DACA program. He has a lot of equities, but that one single issue puts him as a priority because of this administration's priorities, he is a criminal alien and has to go through this process," explained Hernandez.Hernandez said the current administration is a lot tougher when it comes to bonds and people who've been convicted."They have hardened since the Obama administration to now....where most of the judges will not issue a bond with a DUI, in my opinion," said Hernandez.Because of COVID-19, Hernandez said many hearings have been suspended, so it's unclear when Trujillo will have his bond hearing.Dachel said she just wants him at her daughter's birth. She started a petition on change.org in support of her husband. As of Friday evening, it had nearly 15,000 signatures."Kind of just tell the judge how many people, how much he's needed in this community, and how many know and love him and how wrong this is that this is happening to us," said Dachel.Dachel said her doctors will wait as late as next Friday to induce her, but she could have her baby any day due to complications she's been having."I know how much he wants to be there, but he just said that I need to do whatever is good for her," said Dachel about her daughter's birth.Hernandez said bond or no bond, it will be a costly and timely fight to get Trujillo legal status, and it's very likely he'll have to leave to Mexico during the proceedings."This is another reminder of why the immigration system has to be reformed, and particularly the DACA population-- obviously they're very fragile in terms of what they could go through, and this is one of those situations," said Hernandez.This story was originally published by Claudia Rupcich at KNXV. 4788

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