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Mortgage Refinancing Help
: Business: Arts and Entertainment: Photography
: Tools and Equipment (170)
 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.
 See also:
 Hollywood FotoFix »
Photo restoration process. Includes dealer locator and sample gallery.
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 Ilford Company »
Data on their darkroom and film products. Forum for Ilfopro members.
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 Vivitar »
Manufacturer of cameras, lenses, flashes, and slide projectors.
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 Maxwell Photographics »
Wholesale distributors of photographic equipment including Nikon cameras and lens. Technical support, stockist and service centres list, and photographic exhibition details included.
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 Agave SPS »
Slide labeling and stock photography management software.
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 Sigma Corporation of America »
Maker of cameras, lenses, and flash units; FAQ, news, and where-to-buy information.
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 KHB Photografix »
Repair specialist for professional photographic equipment such as enlargers, electronic flash, and large format and specialty cameras. Canada.
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 Olympus America »
Manufacturer of digital cameras, voice recorders, diagnostic systems, medical systems and film cameras, photo printers, microscopes and imaging systems.
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 Minolta »
Manufacturer of business, industrial and consumer products such as digital, 35 mm cameras and lenses. Provides product information, FAQ, support, investor relations and press releases.
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 AgfaPhoto »
Online gallery users, professional portfolio, magazine and information on Agfa products; film, chemicals, papers, lab equipment, and complete imaging solutions.
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 Leica Camera AG »
Manufacturers of cameras, lenses and photo equipment.
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 Olympus Europe »
Digital imaging, 35mm and APS film cameras, and high precision optical equipment.
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 Carl Zeiss AG »
Manufacturers of lenses for still and cine cameras.
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 Fuji Photo Film U.S.A »
Provides tips, information, and support for users of their films and products.
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 Bron Imaging Group »
Turnkey digital and conventional photographic studio solutions. Exclusive U.S. Distributors for Leaf, Sinar, Broncolor, Foba and Pro Cyc.
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 Hasselblad »
Manufacturers of medium format digital and film cameras, lenses, backs, scanners and other photo equipment.
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 Bromwell Marketing »
Distributor of Walker, Ebony, Gandolfi and Osaka large format cameras and accessories. USA.
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 Beijing Secced Co., Ltd »
Manufacturer of video camera tripods, camera crane, fluid head, battery and charger.
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 Mamiya »
Manufacturer of professional medium format cameras, lenses and accessories.
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 Hoya Corporation »
Manufacturers of filters and lenses used in photography.
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 Metis »
Manufacturer and distributor of hardware and software for digital imaging such as digital repro camera and digital macro camera.
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 Hakuba USA »
Manufacturer and distributor of professional photographic, digital, audio, camera, and video accessories and equipment.
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 Meopta »
Optic company producing lenses, enlargers, and projectors.
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 Starlight Cameras »
Maker of pinhole cameras and darkroom kits for photo education.
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 Leaf Photography »
Makers of digital camera backs used in professional imaging and photography.
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 Cambo »
Provides large format cameras, studio stands and accessories. Netherlands.
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 Rollei »
Manufacturer of digital cameras, MP3 player, medium format cameras, compact and classic cameras and slide projectors.
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 Polaroid »
Instant film and cameras, digital cameras, scanners, digital imaging products.
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 Canon USA, Inc. »
Manufacturer of 35mm, APS, point-and-shoot, and digital cameras, lenses, and accessories.
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 Omega Satter »
Manufacturer and distributor of photographic products such as digital, traditional products, and darkroom equipment.
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 Eastman Kodak »
Provides consumer information about services, products and also provides corporate information.
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 Intro 2020 Ltd. »
Importers of photographic equipment; Bronica, Tokina, Hoya, Panasonic, Jobo, LBL, and Velbon. UK.
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 Nikon Inc. (USA) »
Manufacturer of digital cameras and 35mm cameras for consumer and professional. Also makes binocular, microscope and instruments such as vision systems.
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 Zenit Cameras »
Manufacturers of cameras, lenses, scopes and binoculars.
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 Miniphoto »
Suppliers of photographic equipment and accessories to the retail trade and consumers. Ireland.
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 Argus Camera »
Maker of point-and-shoot, APS, and single-use 35mm cameras, video transfer systems, and digital imaging products. Find product news, and customer support.
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 Pentax »
Manufacturers of 35mm, APS, and medium-format cameras, lenses, and accessories.
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 Shanghai Seagull Trading Inc. »
Manufacturers of cameras, lenses and other optical equipment.
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 Subtechnique, Inc. »
Dealers and system integrators providing manufacturers of video and machine vision equipment with components for cameras, lighting (both fluorescent and fiber optic), lensing, image capture devices and parts inspection.
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 Lee Filters »
Supplier of camera and lighting filters, gobos, and other studio-related products.
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 Phase One »
Makers of digital camera backs used in professional imaging.
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 Kyocera Imaging »
Kyocera offers digital and film cameras for amateurs and professionals
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 If you are able to get a lower rate that what you currently have, you can save tens of thousands of dollars over the life of your loan. Also, most lenders don't charge as many fees to refinance a mortgage and depending on how much equity you have in your home you may be able to roll the closing costs into your new loan, still have a lower balance than your original loan, a lower rate, and a lower payment.
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.
If you are refinancing from one ARM to another, check the initial rate and the fully-indexed rate. Also ask about the rate adjustments you might face over the term of the loan.
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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