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Selena Gomez and Benny Blanco are engaged after publicly confirming their romance just one year ago. On Wednesday (December 11), the Emilia Pérez star announced her engagement on Instagram , revealing a stunning marquise diamond ring set on a gold band accented with tiny diamonds. The ring appeared to be a nod to Gomez’s 2015 hit song “Good For You,” in which she sings the lyrics “on her marquise diamonds.” Taking to Instagram, Gomez captioned the post: “Forever begins now.” Blanco affectionately commented, referring to Gomez as his wife. The pair’s engagement was met with a flurry of excitement from Gomez’s celebrity friends, who took to the comments section to share their well-wishes for the couple. “Ahhhhhhhh yes yes yes!!” Emily in Paris star Lily Collins wrote. “Best news ever. Couldn’t be more happy for you both” “HONEY!! Congratulations sweet mama!” Jennifer Aniston gushed. Pop star and longtime friend Taylor Swift even chimed in, playfully declaring: “Yes I will be the flower girl.” Despite their year-and-a-half-long romance, the pair’s journey to the altar began years earlier with a creative collaboration. The pair first teamed up professionally on the 2019 single “I Can’t Get Enough” with Tainy and J Balvin. The music video showcased Gomez dancing on an oversized bed in silky pajamas, while Blanco appeared in a giant teddy bear suit. In an interview with Apple Music’s Zane Lowe, the producer reflected on how they were in sync throughout the collaboration process. “Everything kind of just fell into place,” he recalled. “This record was just one of those ones where it’s like, ‘Oh man, we should have Selena do this,’ and then it’s like, ‘Oh yeah, Selena’s down. Let’s do it.’ And then, ‘Oh man, we should have Balvin do it.’ And then it’s like, ‘Oh, he’s in!’” After years of collaborating together, Gomez and Blanco transitioned their relationship to something more romantic. During a May 2024 appearance on The Howard Stern Show , Blanco confirmed that their romance began around Gomez’s birthday in July 2023. “When we went out on our first date, I didn’t even know it was a date,” he admitted to Stern. “I remember sitting there and she’s like, ‘Well, I would have worn something different for this date,’ and I was like, ‘What? We’re on a date?’” Gomez later confirmed in an Instagram comment that she and Blanco had been dating for six months. At the time, she liked a post from celebrity news fan account PopFaction , which included the headline: “Selena Gomez Seemingly Confirms That She Is in a Relationship.” She commented “Facts” on a fan post speculating about their relationship, and shared a photo featuring a “B” ring on her left hand. The couple made their first public appearance at the 2024 Golden Globe Awards . Gomez shared a heartfelt moment on her Instagram Story, posting a photo of herself kissing Blanco backstage with the caption, “I won.” The pair were seen attending a Grammy Awards after-party together. Although Gomez did not attend the main ceremony, the couple was photographed arriving at the Chateau Marmont in West Hollywood for the event. In an interview with Lowe that month, the Only Murders in the Building actor reflected on their relationship, emphasizing mutual respect and understanding. “Without getting into too much detail, I think it’s just really important to meet someone that respects you,” she explained. “And I think it’s really nice to also lean on someone who understands the world that I live in. But I’d have to say overall it’s the safest that I feel and it’s been really lovely and I’ve only grown through it, so it’s awesome.” Throughout the year, Gomez continued to share glimpses at her relationship with Blanco on social media. For his birthday, she shared a heartfelt Instagram carousel , writing: “Happy birthday baby! Your emotional endurance, positive disposition, unbelievable talent (that blows me away), undeniable humor and loving, kind heart absolutely kill me. I love you @itsbennyblanco.” In April, Gomez showed her support for Blanco’s cookbook, Open Wide , by sharing photos of a cake modeled after the book’s cover. “So proud,” she captioned the post. During an appearance on The Howard Stern Show , Blanco revealed that he could see marriage in his future with Gomez. “When I look at her... I’m always just like, I don’t know a world where it could be better than this,” he said, later adding: “People always said this to me, when you know you meet your best friend, she truly is my best friend.” Amid celebrations for her 32nd birthday, Gomez took a moment to publicly express her love for Blanco. Taking to her Instagram Story, Gomez posted a sweet photo of the 36-year-old producer hugging and kissing her on the forehead. Across the image, she wrote: “Love of my life.” The “Wolves” singer also reposted her boyfriend’s sweet birthday message on her Instagram Story. The post contained a behind-the-scenes photo of the two cuddling during the filming of their 2019 music video for “I Can’t Get Enough.” “I used to play a teddy bear in ur music video and now I get to b urs in real life... happy bday bb! I love u!” he wrote. While appearing on The Late Show with Stephen Colbert , the talk show host asked Gomez if she and Blanco were planning on taking their romance to the next level. “If you don’t mind me asking, where is this relationship going?” he said. “Uhh, whoa!”Gomez replied in shock before laughing. “I thought you were going to ask where this picture was taken.” She then answered: “I’m not sure, but I’m having a great time.”TROY, Ala. (AP) — Damien Taylor rushed for 169 yards and three touchdowns, Matthew Caldwell threw for a touchdown and ran for another, and Troy scored 21 points in less than two minutes in the fourth quarter to beat Southern Miss 52-20 on Saturday. Taylor went straight up the middle from 56-yards out to give Troy a 24-8 lead midway through the third quarter. He added a 35-yard scoring run for a 38-20 lead with 5:50 left in the fourth. On the ensuing possession, Ian Conerly-Goodly intercepted a deflected pass and returned it 31 yards for a 25-point lead. Southern Miss quarterback Tate Rodemaker was intercepted again and LJ Green returned it 49 yards to the Golden Eagles' 16-yard line. Jordan Lovett capitalized on the short field by running it in from the 5. Taylor reached the 1,000-yard mark on the season for Troy (4-8, 3-5 Sun Belt Conference). Caldwell was 14 of 26 for 187 yards and he carried it seven times for 30 yards. Rodemaker threw for 234 yards with two touchdowns and two interceptions for Southern Miss (1-11, 0-8). Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here. AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football80jili com app 。

Facing looming energy crisis, Indiana utilities begin to slowly adopt battery storageRavens QB Jackson leads first NFL Pro Bowl fan voting resultsNEW YORK, Nov. 30, 2024 (GLOBE NEWSWIRE) -- Leading securities law firm Bleichmar Fonti & Auld LLP announces that a lawsuit has been filed against Chipotle Mexican Grill, Inc. CMG and certain of the Company's senior executives for potential violations of the federal securities laws. If you invested in Chipotle, you are encouraged to obtain additional information by visiting https://www.bfalaw.com/cases-investigations/chipotle-mexican-grill-inc . Investors have until January 10, 2025, to ask the Court to be appointed to lead the case. The complaint asserts claims under Sections 10(b) and 20(a) of the Securities Exchange Act of 1934 on behalf of investors in Chipotle securities. The case is pending in the U.S. District Court for the Central District of California and is captioned Stradford v. Chipotle Mexican Grill, Inc., et al. , No. 24-cv-02459. What is the Lawsuit About? Chipotle owns and operates more than 3,000 Chipotle Mexican Grill restaurants across the United States, Canada, and Western Europe. The complaint alleges that in response to negative news reports accusing Chipotle of reducing portion sizes provided to customers, the Company repeatedly misrepresented that there "have been no changes in our portion sizes." On July 24, 2024, Chipotle admitted that portion inconsistency was, in fact, a problem at the Company's restaurants and that in order to correct the inconsistent portion sizes, the Company would experience a higher cost of sales. Over the course of the next two days, July 25 and July 26, 2024, the price of the Company's stock fell 3.8%, from a closing price of $51.78 per share on July 24, 2024, to $49.83 per share on July 26, 2024. Then, on October 29, 2024, after market hours, Chipotle revealed a 30.6% increase in its cost of sales, in part because the Company "focused on ensuring consistent and generous portions." The next day, October 30, 2024, Business Insider reported that "Profit margins for the chain suffered last quarter because of a concerted effort to provide ‘consistent and generous portions' in every order." On October 30, 2024, the price of the Company's stock fell 7.9%, from a closing price of $60.49 per share on October 29, 2024, to $55.73 per share on October 30, 2024. Click here if you suffered losses: https://www.bfalaw.com/cases-investigations/chipotle-mexican-grill-inc . What Can You Do? If you invested in Chipotle you may have legal options and are encouraged to submit your information to the firm. All representation is on a contingency fee basis, there is no cost to you. Shareholders are not responsible for any court costs or expenses of litigation. The firm will seek court approval for any potential fees and expenses. Submit your information by visiting: https://www.bfalaw.com/cases-investigations/chipotle-mexican-grill-inc Or contact: Ross Shikowitz ross@bfalaw.com 212-789-3619 Why Bleichmar Fonti & Auld LLP? Bleichmar Fonti & Auld LLP is a leading international law firm representing plaintiffs in securities class actions and shareholder litigation. It was named among the Top 5 plaintiff law firms by ISS SCAS in 2023 and its attorneys have been named Titans of the Plaintiffs' Bar by Law360 and SuperLawyers by Thompson Reuters. Among its recent notable successes, BFA recovered over $900 million in value from Tesla, Inc.'s Board of Directors (pending court approval), as well as $420 million from Teva Pharmaceutical Ind. Ltd. For more information about BFA and its attorneys, please visit https://www.bfalaw.com . https://www.bfalaw.com/cases-investigations/chipotle-mexican-grill-inc Attorney advertising. Past results do not guarantee future outcomes. © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

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Puerto Rico now supports Apple’s digital ID system so driver’s licenses from the U.S. territory can be stored in the Wallet app on iPhone. 2024 is a banner year for the system, with five states or territories being added, doubling the previous total. Plenty of people look forward to the day when a physical wallet is no longer needed, and an iPhone can take its place. toward ending the need for a physical credit card, but millions of people can’t leave home without a driver’s license in their pocket. Apple is doing what it can to remove that latter restriction, though. There are in which a digital version of a driver’s license can go into Apple Wallet now that Puerto Rico joined the list. iPhone users in the territory can go to the Apple Wallet app on their iPhone and add their digital ID. Read . Mostly for travelers At this point, the primary use for digital ID is when in airports. The Transportation Security Administration installed in Luis Muñoz Marín International Airport the scanners necessary to allow airline passengers to use their state-issued mobile driver’s license or mobile identification card in place of a physical one. “TSA is committed to leveraging technology to enhance airport security, reduce touchpoints, and provide greater privacy protections to individuals at TSA checkpoints,” said TSA’s Federal Security Director for Puerto Rico and the U.S. Virgin Islands Mariely Loperena Moure. But we’re still very early in the process of adopting digital IDs. The TSA warns travelers that they must also carry a physical driver’s license or identification card. And, so far, no state lets a digital driver’s license completely replace a physical one when interacting with police. Progress on digital IDs Apple launched its digital ID initiative back in 2021, but adoption moves slowly. In the U.S., state legislatures and state transportation departments must permit and then implement the system. Still, there’s been significant progress just this year. got on the bandwagon in July, while began rolling out its implementation in August, soon followed by . And joined earlier this month. Apple’s system for digital driver’s licenses and state IDs had already been successfully implemented in , Colorado, and Maryland.

A VR headset could make a great gift for the gamer in your life, and now you can pick up one of our favorites at a killer price. Sony’s PlayStation VR2 is on sale for $350 right now in a bundle that includes the critically-acclaimed spin-off Horizon Call of the Mountain . That’s $200 off the bundle’s regular price and one of the best Black Friday deals on VR headsets we found this year. We enjoyed this headset and gave it high marks in our official review . The OLED displays are excellent, so the graphics are on point. The headset’s fit is comfortable and it includes built-in haptics for increased immersion. Haptics for your head? That’s a pretty novel concept. Sony PlayStation VR2 Call of the Mountain Bundle $349 $550 Save $201 This is a record low price for the headset and comes with a game. $349 at Amazon The headset also includes eye tracking technology and ships with two dedicated controllers, one for each hand. The company’s Sense controllers are eerily similar to Meta Quest controllers, with a large tracking ring, analog sticks, face buttons, triggers and grip buttons. As for Horizon Call of the Mountain , it’s a new entry in the beloved Horizon franchise, only in VR. There’s a whole lot of climbing, as indicated by the title, but also a refined bow and arrow mechanic that feels just right in virtual space. We hesitated to recommend this headset to everyone at its original price of $550, but it’s a no-brainer at $350. This deal is also available through Sony , if Amazon isn’t your bag. So what’s the catch? There’s only one. This isn’t a standalone headset. It requires a PS5 to work, though Sony did recently release an adapter that lets it connect to a PC . Interested in the headset but don't have a PS5 yet? Luckily the PS5 Slim is also on sale right now for $75 off. It's Black Friday deals drop the console to $375 for the digital-only model and $425 for the disc-based version . Check out all of the latest Black Friday and Cyber Monday deals here.Michigan, Ohio State fight broken up with police pepper spray after Wolverines stun Buckeyes 13-10

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With Black Friday sales in full swing, there are still plenty of terrific deals to take advantage of. It’s the perfect time to shop for expensive electronics, including TV’s. Until Cyber Monday, you’ll be able to snag a high-end TV at a nice discount. Several top brands are offering huge deals on their best models. We’re seeing fantastic discounts on Samsung, LG, Sony and Hisense TVs. Whether you want a big-screen TV or something smaller for casual viewing, there are many options to consider getting during this sale event. Last updated on Nov. 30, 2024, at 2 a.m. ET. In this article: Samsung 55-Inch Class QLED 4K The Frame Series Smart TV , LG 77-Inch Class OLED B4 Series Smart TV and Hisense U6 Series 65-Inches ULED 4K Smart TV . The cool thing about this smart TV is that it features an Art mode you can enable, which displays modern and classic art pieces whenever you’re not watching. The color volume is fantastic, the matte film reduces light glare and the frame is customizable with multiple color bezel options. If you’re looking for an affordable 4K smart TV, this 65-inch LED model won’t disappoint. Motion Xcelerator reduces blur and lag, and object tracking delivers impressive 3D surround sound. It supports HDR and Mega Contrast to minimize the difference between light and dark areas. This Roku TV offers a sharp 4K resolution and supports HDR10+ technology, which enhances color, contrast and brightness. The home screen is customizable with shortcuts to your favorite apps, and the voice remote lets you effortlessly search for paid and free content. Are you looking for a solid TV for casual viewing? This 40-inch Amazon Fire TV has plenty to offer. The Fire TV platform provides quick access to live TV, video games and music, and the remote has a dedicated Alexa button for launching apps, searching for content and controlling smart devices on your network. This TV boasts Quantum Dot technology for reproducing stunning visuals and bright colors. When mounted, its AirSlim design allows it to blend seamlessly with your wall. The advanced processor automatically transforms non-UHD content into 4K and improves sound. You’d be hard-pressed to find a better TV for your home entertainment hub than this 77-inch LG smart TV. OLED technology produces accurate colors and deep blacks, and the a8 AI processor automatically fine-tunes the picture quality based on what you’re watching. Plus, it features NVIDIA G-Sync, AMD FreeSync Premium and VRR for improved gaming. This high-end smart TV boasts advanced OLED HDR+ technology, which enhances image brightness and clarity. Dolby Atmos and Object Tracking Sound Lite produce excellent sound quality, and the 144-hertz refresh rate delivers ultrasmooth motion for gaming and live sports. Plus, the smart Tizen OS offers streaming and gaming access. If you want a cheap smart TV for a smaller room in your home, this 42-inch Insignia Fire TV is the one for you. It’s a full HD TV with a 1080p resolution and a built-in Fire TV interface for streaming content from apps such as Netflix, Prime Video and Disney+. The Alexa voice remote makes it easy to find your favorite movies. This Hisense 65-inch TV features advanced Mini-LED technology for reproducing dark blacks and vibrant colors. Dolby Vision delivers superior picture quality, and the dedicated game mode provides a variable refresh rate for smooth gaming. The voice remote is convenient for finding content, and the smart TV interface is intuitive. If you have the space in your home for this massive TV, you’ll love the cinematic experience it offers. QLED technology delivers dazzling visuals and rich colors, and HDR Pro+ boosts contrast, brightness and clarity no matter what you watch. It has an integrated Google TV interface and is compatible with Alexa. Amazon Fire TV 43-Inch 4-Series 4K UHD Smart TV 38% OFF Amazon Fire TV 65-Inch Omni QLED Series 4K UHD Smart TV 25% OFF Amazon Fire TV 50-Inch Omni Series 4K UHD Smart TV 31% OFF Sony 75-Inch 4K Ultra HD Google TV Bravia TV 28% OFF Samsung 55-Inch Class QLED 4K Q80D Series Quantum HDR+ Smart TV 33% OFF LG 86-Inch Class UHD Smart TV 23% OFF LG 55-Inch Class QNED85T Series LED Smart TV 13% OFF Prices listed reflect time and date of publication and are subject to change. Check out our Daily Deals for the best products at the best prices and sign up here to receive the BestReviews weekly newsletter full of shopping inspo and sales. BestReviews spends thousands of hours researching, analyzing and testing products to recommend the best picks for most consumers. BestReviews and its newspaper partners may earn a commission if you purchase a product through one of our links.Steelers WR George Pickens returns to practice, hopeful to play against Chiefs

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A 7-year-old rivalry between tech leaders Elon Musk and Sam Altman over who should run OpenAI and prevent an artificial intelligence "dictatorship" is now heading to a federal judge as Musk seeks to halt the ChatGPT maker's ongoing shift into a for-profit company. Musk, an early OpenAI investor and board member, sued the artificial intelligence company earlier this year alleging it had betrayed its founding aims as a nonprofit research lab benefiting the public good rather than pursuing profits. Musk has since escalated the dispute, adding new claims and asking for a court order that would stop OpenAI’s plans to convert itself into a for-profit business more fully. The world's richest man, whose companies include Tesla, SpaceX and social media platform X, last year started his own rival AI company, xAI. Musk says it faces unfair competition from OpenAI and its close business partner Microsoft, which has supplied the huge computing resources needed to build AI systems such as ChatGPT. “OpenAI and Microsoft together exploiting Musk’s donations so they can build a for-profit monopoly, one now specifically targeting xAI, is just too much,” says Musk's filing that alleges the companies are violating the terms of Musk’s foundational contributions to the charity. OpenAI is filing a response Friday opposing Musk’s requested order, saying it would cripple OpenAI’s business and mission to the advantage of Musk and his own AI company. A hearing is set for January before U.S. District Judge Yvonne Gonzalez Rogers in Oakland. At the heart of the dispute is a 2017 internal power struggle at the fledgling startup that led to Altman becoming OpenAI's CEO. Musk also sought to be CEO and in an email outlined a plan where he would “unequivocally have initial control of the company” but said that would be temporary. He grew frustrated after two other OpenAI co-founders said he would hold too much power as a major shareholder and chief executive if the startup succeeded in its goal to achieve better-than-human AI known as artificial general intelligence , or AGI. Musk has long voiced concerns about how advanced forms of AI could threaten humanity. “The current structure provides you with a path where you end up with unilateral absolute control over the AGI," said a 2017 email to Musk from co-founders Ilya Sutskever and Greg Brockman. “You stated that you don't want to control the final AGI, but during this negotiation, you've shown to us that absolute control is extremely important to you.” In the same email, titled “Honest Thoughts,” Sutskever and Brockman also voiced concerns about Altman's desire to be CEO and whether he was motivated by “political goals.” Altman eventually succeeded in becoming CEO, and has remained so except for a period last year when he was fired and then reinstated days later after the board that ousted him was replaced. OpenAI published the messages Friday in a blog post meant to show its side of the story, particularly Musk's early support for the idea of making OpenAI a for-profit business so it could raise money for the hardware and computer power that AI needs. It was Musk, through his wealth manager Jared Birchall, who first registered “Open Artificial Technologies Technologies, Inc.”, a public benefit corporation, in September 2017. Then came the “Honest Thoughts” email that Musk described as the “final straw.” “Either go do something on your own or continue with OpenAI as a nonprofit,” Musk wrote back. OpenAI said Musk later proposed merging the startup into Tesla before resigning as the co-chair of OpenAI's board in early 2018. Musk didn't immediately respond to emailed requests for comment sent to his companies Friday. Asked about his frayed relationship with Musk at a New York Times conference last week, Altman said he felt “tremendously sad” but also characterized Musk’s legal fight as one about business competition. “He’s a competitor and we’re doing well,” Altman said. He also said at the conference that he is “not that worried” about the Tesla CEO’s influence with President-elect Donald Trump. OpenAI said Friday that Altman plans to make a $1 million personal donation to Trump’s inauguration fund, joining a number of tech companies and executives who are working to improve their relationships with the incoming administration. —————————— The Associated Press and OpenAI have a licensing and technology agreement allowing OpenAI access to part of the AP’s text archives.

Last week, I went to the Originator Connect holiday party and conference in Irvine. It was a good opportunity to sniff out innovative mortgage financing tools aimed at helping consumers just like you. For me, the find of the day was a home equity line of credit (HELOC) allowing bank statement deposits to be used as an income qualifying substitute for tax returns. I’ve come across bank statement fixed-rate second mortgages, where an applicant must pull all the money out at once, but I’ve never come across this concept for HELOCs. The big advantage with a HELOC is it allows you to borrow and pay it back, sort of like a business line of credit or a credit card, but at significantly cheaper rates. Many self-employed borrowers can show a nice flow of income through bank deposits, but the money doesn’t translate well enough when it comes to claiming enough qualifying net income on a tax return. Legitimate (or even illegitimate) expenses claimed on tax returns whittle down the taxable income. Hence, the bank statement loan program works for those who are unable to meet “full documentation” income and debt-ratio qualifications. What’s the catch? A borrower is going to pay a higher rate and more fees on this HELOC compared with a standard bank HELOC. Beggars can’t be choosers. If you can’t get a bank HELOC, you may be able to get a bank statement HELOC. Here’s an example: $500,000 loan, 75% loan-to-value and 740 middle FICO score offers a start rate of 10.125%. Assume points and closing costs of $7,000. Compare that to a full doc (tax returns to provide the income) bank HELOC, to which you might be paying zero costs with a starting rate of 8.25%. Among the program highlights: This twist on a HELOC is available for owner-occupied residences, second homes and investment properties. The maximum loan amount is $750,000. The borrower must pull out at least 80% of the line amount at closing. You cannot pay any of it back for 90 days. It’s a 20-year term. You can borrow and pay back for the first five years at interest-only payments. A borrower will have an additional 15 years to pay the line back. Also, you can pull out as much as 85% of the equity from your property. American Business Media (the conference organizer) arranges 30 shows a year around the United States. I asked the director of events, Navindra Persaud, what was the hottest topic for mortgage brokers these days. “Navigating higher (mortgage) rates and finding diversity to their (consumer) product offerings,” he told me. Speaking of diversity, another very interesting program is another version of fog-the-mirror lending (if you can fog a mirror, we’ll give you a loan). If you have the same or more liquid assets compared with the loan balance, no questions are asked about any job or income. That section of the application is left blank. For example, you are applying for a $750,000 mortgage. You are currently unemployed. And you can show $750,000 of money between your bank and brokerage accounts. You qualify for this fog-the-mirror-2.0 loan. As an aside, fog-the-mirror 1.0 includes no job or income, just nine months of payment reserves and excellent credit. No need to be able to match your mortgage balance with your liquid assets. Fog the mirror 1.0 carries a 8-8.5% interest rate on a 30-year fixed with about 2 points cost. The version 2.0 rate is between 7.5% and 8% with 2 points. Related Articles Housing | 30-year mortgage down to October levels at 6.69% Housing | Privatizing Fannie Mae would cause mortgage rates to soar, economist says Housing | FHFA loan limits rising to $1.2 million in LA and OC, top $806,000 in Inland Empire Housing | California affordability fixes: 3.5% loans, 50% raises, or 33% home-price cuts? Housing | ‘Difference is Trump’: American homebuyers brace for rate pain Other exotic loans Mixed-use: More and more new buildings are offering a combination of retail space and homes. Industry jargon for this is “mixed use.” For the most part, it’s hard to find mixed-use financing. One lender allows residential or commercial zoning for two to eight units, with a loan amount up to $2 million. Not bad. The rate is roughly 7.25% for a 30-year fixed with 2 points. Foreign borrowers: ITIN (individual taxpayer identification number) in lieu of a Social Security number, DACA and foreign national loans all were on display. The foreign national loan required zero U.S. credit, so long as the borrower is putting at least 30% down. The investor-borrower cannot reside in the U.S. Talk about the world being your oyster. When mortgage shopping and there seems to be nothing you want or need, be sure to have at least three mortgage brokers tell you the same thing: “It’s not out there.” Otherwise, keep looking, because you just might find a program that fits your needs. Freddie Mac rate news The 30-year fixed rate averaged 6.69%, 12 basis points lower than last week. The 15-year fixed rate averaged 5.96%, 14 basis points lower than last week. The Mortgage Bankers Association reported a 2.8% mortgage application increase compared with one week ago. Bottom line: Assuming a borrower gets the average 30-year fixed rate on a conforming $806,500 loan, last year’s payment was $183 more than this week’s payment of $5,199. What I see: Locally, well-qualified borrowers can get the following fixed-rate mortgages with one point: A 30-year FHA at 5.625%, a 15-year conventional at 5.5%, a 30-year conventional at 6.25%, a 15-year conventional high balance at 5.99% ($806,501 to $1,209,750 in LA and OC and $806,501 to $1,077,550 in San Diego), a 30-year-high balance conventional at 6.5% and a jumbo 30-year fixed at 6.375%. Eye-catcher loan program of the week: A 30-year mortgage, with 30% down locked for the first 5 years at 5.875% with 1 point cost. Jeff Lazerson, president of Mortgage Grader, can be reached at 949-322-8640 or jlazerson@mortgagegrader.com .