Mortgage Refinansing Help

Mortgage Refinancing Help: Emergency Management

“It's better to follow the 2% Rule which suggests that you can enjoy the benefits of a home refinance if your mortgage refinance rate is 2% lower than that on your current loan. The interest savings will help you recoup the costs you've paid for the new loan provided you stay in the property for a certain period of time (break-even period). However, there are no-cost as well as low-cost refinance loans wherein the costs are included into the loan. But you can expect comparatively higher rates on such loans. Moreover, these loans are limited when the market is in a credit crunch. ”

Mortgage Refinancing Help : Business: Business Services: Fire and Security : Emergency Management (183)

If you are paying private insurance on your current mortgage, refinancing may allow you to do away with this unnecessary expense.

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Mortgage Refinancing Help: Emergency Management ()

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Health: Public Health and Safety: Emergency Services (2,162)
Home: Emergency Preparation (59)
Science: Earth Sciences: Natural Disasters and Hazards (591)
Science: Technology: Structural Engineering: Blast Protection (14)

Disaster Recovery Journal »
Offers information and tools across the business continuity spectrum. Associated with a quarterly publication of the same name.

Fordam »
Reusable tubes filled with water for flood defense and as a sandbag replacement.

Disaster Scope Inc »
Provides services to help governments and businesses prepare for, respond to, recover from and mitigate against natural disasters.

Emergency Management Network »
An interactive educational information resource site covering topics used by emergency managers, students in the field, and security professionals.

Quantum First Response T.E.A.M. »
A rapidly deployable tactical emergency asset management system.

Ready.Gov »
Offers emergency planning advice and help for businesses, including a range of publications and support materials.

The Disaster Recovery Planning Guide »
This disaster recovery planning portal is intended to be a launch pad for those seeking help with the business continuity planning process.

PowerWorks »
Risk management and business continuity solutions for computer, telecommunications and other critical operations.

Business.gov : Guide to Emergency and Disaster Planning »
Information for small business owners on how to protect their businesses from natural disasters and emergencies.

IT-Toolkits »
Provides templates for disaster recovery plans, security manuals, and IT service management.

Contingency Planning & Management Magazine »
Information network promotes business continuity and survival strategies, including disruption prevention, preparedness, mitigation, emergency response, disaster/data recovery, risk assessment, and asset protection.

3D Recovery »
Providers of Business Continuity services and consultancy, including online data backup, email management, business continuity planning, contingency sites and standby hardware.

PlantCML - Emergency Notification Systems »
Emergency Notification Systems - Offers interactive voice response solutions, emergency notification systems, disaster recovery, contingency planning and weather warning for business, industry and government.

Guardsmark »
Security services including investigations, consulting, background screening and facility design.

Continuity Forum »
Publishes news, support and advice for organisations and individuals for developing Business Continuity Management skills.

Business Emergency Management Planning (NIOSH) »
Provides guidance documents for businesses about preparedness and planning for a range of emergency situations.

Disaster Preparedness and Emergency Response Association »
Disaster preparedness and emergency response reference material, job opportunities, and related information.

PAS56: Introduction To ISO 22301 »
Book gives introduction to the emerging ISO 22301 business continuity standard.

XOsoft »
Provide continuous application availability solutions for business continuity, disaster recovery and continuous backup for uninterrupted server access.

TeleMinder Emergency Notification »
Disaster recovery, business continuity, and staff notification via telephone, fax, e-mail, or SMS.

Forum for Disaster Recovery »
An interactive portal which provides information and background to assist with disaster recovery planning.

Public Safety Canada - Emergency Management »
Emergency Management - Provides management information to safeguard lives and reduce damage to property by fostering better preparedness for emergencies.

El Camino Disaster Recovery »
Offers disaster recovery services including equipment and IT hardware replacement.

Emergency Planning College »
A UK Government site which provides schedules for emergency planning training for emergencies.

ITDR »
Provides articles, news, a vendor and solution directory and other resources related to disaster recovery planning.

Business Contingency Preparedness »
Offers training and awareness programs, contingency and plan validation, and recovery agreements. Based in Texas.

Emergency Management Guide »
The Federal Emergency Management Agency's guide on how to create an emergency management program.

Post Trauma Resources »
Provides trauma response services after personal, duty and work-related disaster.

Emergency Management Center »
Located in the Oak Ridge National Laboratory, Conducts research and provides training related to disasters such as evacuation, public response, emergency planning and post-disaster audits.

Husdal: Supply Chain Risk »
A gateway to journal articles, research papers, books, websites and other resources related to supply chain risk and business continuity.

Dialogic Communications Corporation »
Interactive voice response solutions, emergency notification, disaster recovery, contingency planning and weather warning for business, industry and government.

Intrado Inc. »
Provides 911 operations support systems services to incumbent local exchange carriers, competitive local exchange carriers and wireless carriers. (Nasdaq: TRDO).

BS25999 News »
Portal, information and forum dedicated to the BS25999 business continuity management standard.

Albion Research Ltd. »
Provides articles, seminars, and training on risk analysis and business risk management.

Business Continuity Expo »
Online exhibition for the business continuity marketplace featuring news, articles, whitepapers, case studies and vendors.

E Team Inc »
Offers emergency management and response software, news and general information.

Clark Reynolds & Co. »
Provides a modular system for governmental bodies and hospitals. Features product details, emergency plans, and exercises.

Paragon Technical Services »
Provides customized security, environmental and emergency management inspection and oversight services to private and governmental clients.

AfterDisaster »
Providers of emergency services and restoration following large scale damage events caused by natural and man-made disasters.

Bushfire Protection Planning »
Offers planning advice on how to best protect your home and land in the event of a bushfire.

Alertcast »
Offers an emergency notification service that facilitates contingency planning, emergency preparedness, and disaster recovery.

American Red Cross Business & Industry Guide »
Offers a step-by-step approach to emergency planning, response and recovery for companies of all sizes.

iXP Corp »
Describes assurance and systems integration services provided for availability, reliability and security within systems and communication technology environments.

IDS »
Online emergency management conference and supplier exhibition/directory, including white papers on various emergency management topics.

Message 911 »
Offers interactive voice messaging solutions for emergency notification.

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.

Ask for more than just rates. Bad loan officers will tell you anything to keep you on the phone -- then change the details to suit them later. Instead, make them get real with you! Ask how long they've been in the industry. Probe them about their experience in the industry. Also, ask what their opinion is on the current market and where it's going.

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.

For both new buyers and refinancers, it's important to understand what a no-cost mortgage loan or a no-cost refinance loan really means. "No cost" does not mean that closing costs (also known as settlement costs) have been erased. It means that the closing costs will be factored into the interest rate associated with the loan. Of course, this also means that, all other things being equal, the interest rate associated with a no-cost mortgage will always be higher than one where the borrower pays the closing costs up front.