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Mortgage Refinancing Help: Tobacco
“Lenders like pristine credit reports. If you have a bunch of open credit card accounts that you never use (and who doesn't?), consider closing them. It will boost your credit score and make you a much more attractive borrower to a lender. Then, a month after you've closed your accounts, go over your credit report with a fine-tooth comb. It should read that the accounts were closed at your request. (You don't want lenders to think someone cut you off and that you're a bad credit risk.)
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Mortgage Refinancing Help
: Business: Consumer Goods and Services
: Tobacco (79)
 Be Prepared. You'll probably be asked for more information and documentation after you submit your application, but before your loan is approved be prepared to document your income and assets. Answer any questions and fax documentation to your loan representative as soon as possible.
 See also:
 Peterson of Dublin »
Makers of pipes, cigars, and tobacco blends. Includes dealer locator, corporate information, and product photos.
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 Savinelli Pipes, Inc. USA »
Catalog of pipes, cigars, lighters, humidors and accessories.
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 Mac Baren Tobacco »
Makers of tobaccos for pipe-smokers as well as cigar and cigarillo smokers. Includes product overviews, links to cigar and pipe clubs around the world, articles, history, and a dealer locattor.
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 HBI International »
Sales of rolling papers and rolling machines, cigars and tobacco. Also provides information about custom papers.
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 CAO International »
Makers of pipes, tobacco, cigars, and humidors sold through local retailers. Includes product information and store locator.
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 Pöschl Tobacco »
Makers of pipe and cigarette tobaccos plus snuff. Includes information about the company and its products plus tips, history, cultivation information, and glossary.
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 Mc Chrystals »
Manufacturer of nasal snuff.
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 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."
Fees are a hidden cost of many mortgage loans. By law, lenders must disclose fees within three days of a loan application. Fees can go by many names like - document prep fees, courier fees, administrative fees, and more.
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.
Unless you are getting a lower interest rate, refinancing your home may cost you more money in the long run and may require you to pay higher monthly payments.
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