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Mortgage Refinancing Help
: Business: Accounting: Firms: Accountants: North America: United States
: Virginia (18)
 Be specific about the loan you want. The more precise you are, the easier it will be for a loan officer or mortgage broker to find the best rate. For example, do you want a 15-year or 30-year mortgage? Do you need a "jumbo" mortgage (more than $333,700)? Are you willing to pay points to reduce the interest rate? The answers to these questions will depend on several factors, including when you plan to sell the house and how soon you want to retire your debt. Only you know the answers, but the sooner you know them, the better.
 See also:
 Kositzka, Wicks and Company, CPA's »
Alexandria firm. Includes description of services, staff biographies and newsletter [pdf format].
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 Foti, Flynn, Lowen & Co »
Roanoke Certified Public Accounting and consulting firm. Includes list of services, shareholder biographies, financial calculators, news, articles, and links.
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 Zukerman & Associates, Ltd., CPA's »
Virginia Beach firm. Includes service-bureau-supplied tips, financial essays, calculators and newsletter.
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 Witt, Mares & Company, Certified Public Accountants and Consultants »
Newport News, Virginia Beach, Suffolk, Williamsburg, and Richmond offices provide tax, financial, and accounting services for individuals and corporations. Includes firm profile and parter biographies, service descriptions, and office locations.
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 Mather & Associates PC »
Lynchburg CPA firm serving small businesses and individuals with accounting, tax, QuickBooks, incorporations and other services.
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 Wells Coleman & Co., L.L.P. CPA'S »
Richmond full-service accounting firm. Includes tax guide, service descriptions, financial tips, staff biographies, and links.
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 Goodman and Company, L.L.P. »
Firm CPA's provide accounting services to businesses from offices in 10 offices throughout the Commonwealth. Includes service descriptions, firm profile, tips, and Virginia business links.
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 Michael R. Anliker, CPA, P.C. »
Glen Allen sole proprietor provides accounting, tax and financial planning services. Includes tax organizer and financial calculators.
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 Bay Business Group »
CPA-led Arlington firm focused on small businesses.
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 RyanSharkey, LLP »
CPA firm in Reston offering assurance, taxation, and consulting services. Lists services, newsletter, and contact information.
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 Marshall Consulting Group, LLC »
Warrenton and Fredericksburg, VA offices provide tax, financial, and accounting services for individuals and businesses.
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 Terri D. Stewart, CPA, P.C. »
Terri D. Stewart, CPA, P.C. is a full-service accounting firm with offices in Virginia Beach and Chesapeake, VA.
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 Jones and Associates, PLC »
Certified Public Accounting firm in Danville, VA.
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 Keiter Stephens Hurst Gary & Shreaves »
Audit, tax, consulting and valuation advisory services to middle-market companies, and outsourced tax, internal audit and SOX compliance services to public and large private companies.
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 Frank Castro Company, LLC »
Herndon CPA provides tax and accounting services to individuals and businesses. Includes biography and service description and rates.
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 Bish & Haffey , P.C. , CPAs »
Alexandria full-service accounting firm. Includes contact information and service-bureau-supplied newsletter and financial tools.
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 Baughan's »
Offers tax, accounting and financial services to individuals and businesses in the Richmond, VA area.
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 MillerMusmar CPAs »
CPA firm serving northern Virginia, which offers tax, audit, and business valuation services.
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 Weigh the costs carefully of how long you will be staying in your home vs. how much of a savings you will be getting in a refinance. Make sure you include closing costs in your decision.
If you want to make sure the interest rate your lender offers you is the rate you get when you close the loan, ask about a mortgage lock-in (also called a rate lock or rate commitment). Any lock-in promise should be in writing. Make sure your lender explains any costs or obligations before you sign.
Refinancing may not be that useful if you have already used up 90% or more of your home value in taking out a mortgage or any home equity loan. You won't be able to get the best rates available in the market as when you refinance a 90% LTV loan, you will probably require a loan of that value or higher. This will be quite closer to being a 100% financing option and hence mortgage refinance rates will be comparatively higher. Moreover, 100% loans are hardly available in times of mortgage market crisis.
If you are planning to stay in your home for several years, then you can save money by paying points for lower interest rates. You pay up front fees to ensure you have lower interest payments over the course of your loan. Remember, this only works if you keep your mortgage for several months.
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