Mortgage Refinansing Help

Mortgage Refinancing Help: Kansas

“Be Proactive. Your loan representative should keep in contact with you even if there isn't any action on your loan. But do your part to keep the lines of communication open as well. If you don't hear from your loan representative for a few days, pick up the phone and ask for an update. The old adage that the squeaky wheel gets the grease definitely applies in this situation. ”

Mortgage Refinancing Help : Business: Accounting: Firms: Accountants: North America: United States : Kansas (8)

Don't rely on published rates. "No one's going to advertise their worst product," says Keith T. Gumbinger of HSH Associates, a Butler, NJ, firm that tracks mortgage rates. "They advertise the best possible rate, which probably gets offered to only the top 10 percent of applicants."

See also:

Regional: North America: United States: Kansas: Business and Economy: Financial Services (7)

Allen, Gibbs & Houlik, L.C. »
CPA firm and consultants located in Wichita, Kansas.

Peterson Peterson & Goss, CPA's »
Wichita general practice firm. Includes partner biographies, service descriptions, and service-bureau-supplied financial calculators and newsletter.

Kennedy and Coe, LLC »
Areas of specialization include agriculture, financial institutions, feed yards, manufacturing, construction and medical practice management. Includes services, locations, employment opportunities and contact information.

Kennedy McKee & Company LLP »
Offering tax preparation and planning, accounting and auditing, business advisory, and personal financial planning. Located in Dodge City, Kansas.

Taylor, Perky & Parker »
Accounting services, business analysis and taxes. Located in Overland Park, Kansas.

Adams, Brown, Beran and Ball »
A regional CPA firm with offices in central and western Kansas.

Greenfield Davidson & Reusch Chartered Certified Public Accountants »
Ottawa and Olathe offices provide a full range of accounting services. Includes service-bureau-supplied financial tips.

CBIZ MHM LLC »
Providing accounting and management consultancy from offices in Topeka. Includes business specialties and services offered.

The length of time that you expect to keep the mortgage helps you determine whether it is worthwhile to pay points up front to reduce your interest rate. Unlike points paid on your original mortgage, points paid to refinance may not be fully deductible on your income taxes in the year they are paid.

Ask for the reissue rate on your title work. If you've taken a mortgage within the past two years, or are using the same lender, you might be granted this option, which can save you as much as 70 percent on your title work. An editor at this magazine didn't know about this potential savings when he refinanced his mortgage; fortunately his lawyer did. The savings more than covered the attorney's fees. However, if it's been several years since you took out a home loan, or if you're using a new lender, you'll likely have to pay for a new title.

Use a mortgage broker. A mortgage broker will show you mortgage products from different banks and mortgage providers. Pick a mortgage broker carefully. If the broker works directly for a company that offers financial products, make sure he shows you clearly why one of these products is better. Mortgage brokers also get a commission on their sales. Find out what the broker's services include and if he charges any fees. Many brokers do not charge fees beyond their commission. Also check the broker's credentials.

Almost 30 million Americans qualify for a VA Loan. With a VA Loan, you can qualify for a VA Streamline Refinance. You may also be able to refinance your home with an FHA Streamline refinance.