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Democrats sue over Georgia rules they say could block election certifications

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Atlanta — The state and national Democratic parties sued Monday to block two recent rules adopted by Georgia’s State Election Board that could be used by county officials who want to refuse to certify an election, potentially causing delays in finalizing the state’s results.

The lawsuit, filed before a state judge in Atlanta, argues the rules violate a state law that makes certification a mandatory duty. The suit asks the judge to find the rules are invalid because the State Election Board, now dominated by allies of former President Donald Trump, is exceeding its legal authority.

The actions of the board alarm Democrats and voting rights activists, playing out against Georgia’s background of partisan struggles over voting procedures that predates even the 2020 presidential election. It’s a battle in yet another state over what had long been an administrative afterthought: state and local boards certifying results.

The lawsuit says the rules invite post-election chaos, that the board is defying state law that says county officials “shall certify” results, and that more than a century of court precedent in Georgia finds county officials have no wiggle room.

“According to their drafters, these rules rest on the assumption that certification of election results by a county board is discretionary and subject to free-ranging inquiry that may delay certification or foreclose it entirely. But that is not the law in Georgia” states the lawsuit, filed in Fulton County Superior Court.

Pro-Trump Republicans argue the rules just reinforce a county election board’s existing duty to thoroughly examine election results, noting each board member must swear an oath to compile “true and perfect” results.

“These common-sense changes will benefit all Georgians, regardless of political affiliation as they are all designed to increase transparency and public confidence regarding our elections,” state Republican Party Chairman Josh McKoon said in a statement defending the rule changes earlier Monday, before the lawsuit was made public.

A trio of Republican partisans aligned with Trump took control of the five-member regulatory board earlier this year. It has no direct role in determining election results, but writes rules to ensure that elections run smoothly and hears complaints about violations.

Trump praised those members by name during an Aug. 3 rally in Atlanta, saying the three “are all pit bulls fighting for honesty, transparency and victory,” but criticizing the Democrat on the board and the nonpartisan chairman appointed by Gov. Brian Kemp, saying they “aren’t so good.”

That, plus McKoon praising the takeover of the board and later emailing proposed rules to board members, has led Democrats to allege a once sleepy board is now a direct tool of Trump.

“The Georgia state elections board is becoming an equal co-conspirator in this effort to suppress our votes,” Democratic U.S. Rep Lucy McBath charged Monday in a news conference at the Georgia Capitol. “With passing this new rule, they are creating barriers to counting votes and certifying the election so Donald Trump can once again attempt to throw our country into chaos.”

A Democratic state senator and the former chair of the Fulton County elections board have both sent letters demanding that Kemp remove the three Trump-aligned members for violating state ethics laws. Kemp on Monday asked Republican Attorney General Chris Carr to determine whether Kemp has legal jurisdiction to consider the demands.

The Democratic lawsuit specifically cites language added by one rule to require county election officials to conduct a “reasonable inquiry” before certifying results. It also takes aim at a second rule that allows county election officials “to examine all election related documentation created during the conduct of elections.”

Alleged fraud or misconduct should be handled by the courts, not by county officials as they tally results, the suit argues, citing more than a century of Georgia court rulings.

While the new rules could be read as consistent with Georgia law, allowing only review or examination that wouldn’t delay certification, “that is not what the drafters of those rules intended,” the lawsuit says, citing their testimony before the board.

The first rule does not define “reasonable inquiry” and the second “has no basis in the election code or case law,” the suit argues.

It’s unclear whether counties could successfully refuse to certify. They would face lawsuits asking judges to order county boards to perform their legal duties. And it’s unlikely Fulton County or any of the state’s five other most populous counties, all reliably Democratic, would reject certification. Instead, refusals to certify would likely come from smaller, more Republican counties.

In Georgia, state officials had to order rural Coffee County to certify in 2020. In May, Republican-appointed Fulton County election board member Julie Adams refused to certify primary election results after she filed a lawsuit backed by the Trump-aligned America First Policy Institute that argues county election board members have the discretion to reject certification.

The lawsuit was filed by county election board members from counties in metro Atlanta, most chosen by the local Democratic Party, as well voters who support Democrats, two Democratic state lawmakers running for reelection and the state and national Democratic parties.



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Trump looking to appeal to Jewish voters on campaign trail

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Trump looking to appeal to Jewish voters on campaign trail – CBS News


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Former President Donald Trump is in Washington Thursday for an event aimed at combatting antisemitism and an address before the Israeli-American Council National Summit. CBS News campaign reporter Taurean Small has more.

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FBI says Iran hackers sent Trump campaign info to Biden campaign, what to know

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FBI says Iran hackers sent Trump campaign info to Biden campaign, what to know – CBS News


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The FBI and other U.S. intelligence officials say Iranian hackers stole information from Donald Trump’s campaign and sent it to people connected to President Biden’s reelection campaign, though federal officials added there’s no evidence the recipients of the stolen material even responded. CBS News cybersecurity expert and analyst Chris Krebs provided context around the claims.

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Best mortgages for first-time homebuyers

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First-time homebuyers should shop around to find the lowest rate and best terms for their needs.

Yuri Arcurs peopleimages.com/Getty Images


Rising home prices and high mortgage rates haven’t made buying a home easy these last few years. In fact, with affordability such a challenge, it’s only made shopping around for a lender that much more important.

It’s true: Comparing lenders can make a big difference when it comes to price. According to Freddie Mac, getting just four different mortgage rate quotes can save you about $1,200 per year.

But rates aren’t the only thing you should think about when choosing a lender. Want to make sure you pick the best mortgage company for your needs? See below for some of the best lenders for first-time homebuyers currently on the market.

Lock in a low mortgage interest rate here today.

Best mortgages for first-time homebuyers

Here are the best mortgage lenders for first-time homebuyers, broken down into six categories:

Best for low down payments: Veterans United

Veterans United exclusively offers VA home loans — which means all its loans require zero down payment. Though you’re welcome to put some money down, VA loans are one of the few mortgage options with no down payment requirement.

There is a catch, though: You’ll need to be a current military member, veteran, or spouse of one to qualify. Certain service requirements must be met as well. If you can do it, though, you’ll save yourself money both upfront (on the down payment) and in the long haul, as VA loans tend to have lower interest rates than other loan options.

Learn more about Veterans United here now.

Best for good credit: US Bank

If you have decent credit, US Bank might be a good option for your mortgage. The lender offers conventional, FHA and VA loans, and its rates are some of the lowest of lenders we analyzed. You can also apply fully online and get valuable closing cost discounts if you use other US Bank services. 

Best for low credit: Cardinal Financial

Cardinal Financial is a good option if your credit score is on the lower end. The lender allows for scores as low as 620 on conventional loans and 580 on FHA, VA, and USDA loans. There are also jumbo loans — if you’re buying in a high-priced market or eyeing a more expensive property — and construction loans for buyers looking to build their own homes from the ground up.

Best for no lender fees: Better.com

Most lenders charge a variety of fees for processing your mortgage. These might include an origination fee, application fee, underwriting fee, and more. With Better.com mortgages, you won’t see any of these charges. The online lender charges no lender-side fees for underwriting, servicing, or originating its mortgages. There are other typical closing costs, though.

Best for online borrowing: First Mortgage Direct

First Mortgage Direct is a fully digital mortgage lender that lets you manage your mortgage process from start to finish all on the web. You can get a rate quote online, fill out an application, submit your documentation, and even close digitally, too. The lender also offers many online resources to help you along the way — things like informative videos, calculators, articles and more.

Best overall: New American Funding

New American Funding has something for everyone: conventional loans, government-backed loans, jumbo loans, construction loans, non-QM loans and more. There are even loans with customizable terms and options that can turn you into an all-cash buyer to make you more competitive. The lender also has a 4.1-star rating with the Better Business Bureau and a 4.6-star rating on Trustpilot.

Always shop around

Whether you’re buying your first home or your fifth, shopping around for your mortgage is important. If you need help doing so, consider enlisting a mortgage broker. These professionals can shop around on your behalf, help you compare lenders and loan options and ensure you get the best rate.



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