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Mortgage Refinancing Help: Field Crops
“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.
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Mortgage Refinancing Help
: Business: Agriculture and Forestry
: Field Crops (167)
 There is a refinancing myth that says you should not refinance your mortgage unless your interest rate will be at least two points less. This myth is not necessarily true if there are other benefits to the refinance or other reasons behind it.
 See also:
 EWR, Inc. »
Service company providing electronic cotton warehouse receipts in the USA.
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 Welvent »
Agricultural storage specialists for potatoes, grain and onions. Supplying both ambient and refrigeration equipment control systems. Full design, installation and service.
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 Syngenta Potato Solutions »
Information on resources for potato growers and the potato industry, from a supplier of crop protection products for management of diseases, pests, weeds, crop maturity.
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 The Corn and Soybean Digest »
Business magazine focusing on production and marketing of the crops. Site contains archive of back issues, product information service, and links to resources.
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 Dunns (Long Sutton) Ltd. »
Agricultural seed company, also deals in pulse products for the food market. UK.
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 BeltWide Inc. »
Offers tray grown seedling tobacco plants.
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 Home Grown Cereals Authority »
Focused services for United Kingdom cereals and oilseeds industries, to improve production, profitability and marketing. Crops include barley, wheat, oilseed rape, and linseed. Research reports going back to 1995 can be ordered by levy payers and possibly others.
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 RiceTec, Inc. »
Breeders and suppliers of hybrid rice seed.
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 Agricole »
Grain marketing and brokering services. UK.
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 Mid Murray Lucerne »
A community group in Victoria, Australia, supporting lucerne hay producers, contractors and buyers. Overview of organization, and brief information about quality assurance course.
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 Frontier Agriculture »
Offers UK growers support services in the area of product distribution, environmental management, and market advice. Includes list of industry events.
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 Workman Tobacco Seed, Inc. »
Suppliers of Burley, Dark Fired and Dark Air Cured tobacco seed products.
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 Shore Sales Co. »
Sells grain grading equipment, and sells and services moisture testers and moisture meters for the grain, seed, milling, processing, and farm markets.
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 Farming Online »
News site for the UK agricultural industry
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 University of Florida IFAS Extension: Forage »
Index to a series of publications in the EDIS database on topics of forage crops, including articles on pest management, irrigation, fertilization, and economic management.
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 Holly Hybrids »
Develops and markets sugarbeet seed varieties for the major sugarbeet growing regions of North America. Includes company information, news, and online ordering.
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 Midlands Seed Ltd. »
Services and products for arable seed and grain crop production and exporting. Company and grower news, research testing and development information, and product range.
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 Accu-Bean-Chek »
Provides a manual system for counting soybeans to create more even planting. Page includes FAQ and content information. Located in Oak Harbor, Ohio.
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 Agricentre UK »
BASF company site but with general interest content, technical information and interactive tools.
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 E.K.Bare & Sons, Inc. »
Potato brokerage providing potato procurement, contract management and transportation. Includes company history and photos of products.
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 Advanta Seeds UK Limited »
Breeders of agricultural crop varieties and grasses for agricultural and amenity uses. Contains descriptions of varieties and guidelines for growers.
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 Stick with a simple loan. It is easier to understand and less likely to get you into trouble. Adjustable-rate mortgages may seem like a way to get a bigger house now or to keep more money now, but when the rates adjust you can get into trouble. Avoid anything with a balloon payment. Just choose a simple 30-year mortgage you can easily afford.
Many companies in this industry will do what ever they can to get away with charging you as much as they possibly can. Some of the ways they do this is not disclosing all the third party fees involved in a loan such as title insurance, appraisals, pre-paid tax and insurance escrows etc. It is important that you ask the loan officer you're speaking with about third party fees. If you don't they may not tell you and give you a good faith estimate that sounds fair, but at closing you'll find out that you have to pay a couple of thousand dollars more in fees you were unaware of. A good loan officer at a reputable company should have no problem disclosing all fees that pertain to your loan and should also make sure you understand what the fees are for.
If you have a mortgage, you should keep an eye on rates-especially if you have an adjustable rate mortgage. Getting locked in at a lower, fixed rate can save you hundreds, possibly even thousands, of dollars over the life of your loan.
Mortgage can last a lifetime and that extra 1% can add up to literally thousands of dollars over the years. I have friends that are in their 70s and still paying off their home loans. It'll pay off in the long run to make sure you find the best deal possible. Don't let poor credit stop you from refinancing your home.
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