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Mortgage Refinancing Help
: Business: Financial Services: Banking Services: Banks and Institutions: Regional: North America: United States
: Alabama (18)
 Be Patient. Processing all of the paperwork that's required for a new loan takes time. Be patient while your loan moves through the system. Protect your credit score by paying your bills and making your mortgage payments on time and not taking on any more new debt than you absolutely have to.
 See also:
 Alabama Ag Credit »
Rural and country real estate lender in south Alabama specialized in farm, ranch, country home, recreational property and operating loans.
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 First Gulf Bank »
Community bank provides personal and business banking to Baldwin County, Alabama and beyond.
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 Peoples Exchange Bank of Monroe County »
Community Bank with two locations in Monroe County, Alabama. Main bank located in Beatrice Alabama and branch located in Monroeville Alabama.
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 First National Bank of Jasper »
A full service bank headquartered in Jasper, Alabama.
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 CB and T Bank of Russell County »
A full service bank located in Phenix City, Alabama.
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 First Southern National Bank »
Community bank with locations in Stevenson, Scottsboro and Higdon, Alabama.
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 Troy Bank and Trust »
Provides personal banking services for Troy, Alabama.
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 Bank Independent »
A locally owned bank serving the financial needs of the Shoals area of Alabama
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 AuburnBank »
Community bank offer financial services in Lee County and East Alabama.
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 United Bank »
Provides community banking services.
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 Citizens Bank »
One of the largest community banks in Alabama, with headquarters in Russellville.
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 Union State Bank »
Community bank with locations in Ashville, Cedar Bluff, Centre, Cropwell, Homewood, Hoover, Pell City and Pleasant Grove. Based in Pell City, Alabama.
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 Phenix-Girard Bank »
Phenix City, Alabama.
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 Superior Bank »
Commercial bank headquartered in Birmingham with locations throughout the state. Provides business and personal services including mortgages.
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 Henderson Bancshares, Inc. »
Multi-bank holding company of financial services serving Southeast Alabama.
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 First Commercial Bank »
A full service bank headquartered in Birmingham, Alabama. Affiliated with the Synovus family of companies.
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 New South Federal Savings Bank »
A federally chartered savings bank is the sixth largest bank in Alabama.
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 Sterling Bank »
Full service bank headquartered in Montgomery, Alabama.
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 If your monthly payment on a fixed-rate loan includes escrow amounts for taxes and insurance, your payment each month could change over time due to changes in property taxes, insurance, or community association fees.
If you have equity built up in your home, and you need cash, you have two choices: get a home equity loan or utilize cash-out refinancing. Each has its pros and cons, so be sure to evaluate your situation carefully prior to making a decision.
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."
If you are planning to stay in your home for several years, then you can save money by paying points for lower interest rates. You pay up front fees to ensure you have lower interest payments over the course of your loan. Remember, this only works if you keep your mortgage for several months.
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