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Mortgage Refinancing Help: Directories
“When refinancing a mortgage, as many as 30% of homeowner's cash out part or all of their home's equity. By investing in home improvements or paying off credit cards, this can be a smart. But, if you are borrowing more than 80% of your home's value, you will be hit with private mortgage insurance, costing you hundreds a year.
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Mortgage Refinancing Help
: Business: Accounting: Firms
: Directories (12)
 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:
 Accountants in Sunrise, Florida »
Regional directory.
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 1800Accountant »
A nationwide directory of Certified Public Accounting firms. Includes forms for entering your location and offers a response within 24 hours.
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 Chartered Accountants Directory UK »
Provides the official UK Directory of Chartered Accountants in an online database.
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 Accounting Providers »
A directory of accounting and bookkeeping providers in the USA, searchable by state, city or zip code.
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 CPA Personal Financial Specialist »
AICPA-maintained directory of CPA's who have obtained Personal Financial Specialist(PFS)designation. Also includes general information about personal financial planning.
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 Accountants in Pembroke Pines, FL »
Listing of firms.
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 Accounting Directory »
Directory of links to directories.
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 AccountantsWorld Directory of Accounting Professionals »
Database of 35,000 Accountants and CPA's in the U.S.
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 Accounting Associations on the Web »
List of accounting organizations.
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 Bookkeepinghelp.com »
Searchable directory lists accountants, bookkeepers, and income-tax preparation services in the United States and Canada.
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 Accountancy Pages.com Directory of Accountants »
Accountants in US, UK, and Canada, able to be searched by location and specialty.
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 Accountant Zed Accounting Firms »
Pakistani directory.
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 Don't escrow taxes and insurance. Unless you're undisciplined, avoid putting monies in escrow to cover your property taxes and homeowner's insurance. There's usually a fee for this privilege that runs under 1 percent of the loan amount, in states where it's allowed. "Paying the fee will allow you to time your tax and insurance payments to your benefit," says Bank South's Steve Austin. For instance, you may be able to prepay taxes that are due next year and use those payments to reduce your current tax bill. Moreover, you get to hang onto your money longer. That may be an advantage when interest-bearing accounts start paying more.
If you do not plan on staying in the house very long, refinancing may not be in your best interests.
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.
If there is a big difference between the initial interest rate and the APR listed in the ad, it may mean that there are high fees associated with the loan.
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