Mortgage Refinancing Help: United States

“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. ”

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.

See also:

• Business: Financial Services: Banking Services: Banks and Institutions: Associations: United States (159)
• Business: Financial Services: Banking Services: Banks and Institutions: Regional: North America: United States (1,203)
• Business: Financial Services: Mortgages: Regional: United States (726)
• Regional: North America: United States: Business and Economy: Financial Services (29)

Toro Employees' Federal Credit Union » Serves Toro employees in the United States and their immediate family members. Offers mortgages and other loans, savings, checking, debit card. Offices in Bloomington, Minnesota, and Riverside, California.

Chevron Federal Credit Union » Serving employees and retirees of Chevron Corporation and affiliates worldwide.

Pentagon Federal Credit Union » A non-profit financial institution that offers personal financial services to Pentagon employees, Army and Air Force personnel, and their families.

Energy Services Federal Credit Union » Open to employees of the Xcel Energy Company or its U.S. subsidiaries. Offers checking, savings accounts, loans, online banking.

Northcountry Cooperative Federal Credit Union » Serves Midwestern cooperatives that are part of Northcountry Cooperative Development Fund, and their members.

Eastman Credit Union » Offers financial services to Eastman Chemical workers and other employee groups in five southeastern states (Arkansas, South Carolina, Tennessee, Texas, and Virginia). Information about membership, locations, and services.

US Federal Credit Union » Serves numerous select member groups in the Minneapolis-St. Paul, Atlanta, Memphis, and Detroit areas. Several offices around the Twin Cities; also branches in College Park (Georgia) and Memphis.

Think Federal Credit Union » Serving active or retired employees of IBM Corporation, its subsidiaries, and affiliated companies.

Anheuser-Busch Employees' Credit Union » ABECU is a full-service financial institution offering a wide variety of products and services to members nationwide and around the world.

Andrews Federal Credit Union » Serving military personnel assigned to Andrews or McGuire Air Force Bases, certain bases in Germany, The Netherlands and Belgium, and other select employee groups.

Navy Federal » Providing financial services for all U.S. Department of Defense personnel.

Truliant Federal Credit Union » Serves over 500 companies in 5 states by providing full-service financial products.

Riverfront Federal Credit Union » Provides online checking, savings, lending, and investments to employer groups and members nationwide.

Patriots Federal Credit Union » Serving select employee groups and organizations in Arizona, California and Nevada.

Ecolab Credit Union » Membership open to past and present employees of Ecolab and its subsidiaries in the United States who are paid out of the St. Paul, Minnesota, office. Family members also eligible. Bullet list of services, rates, how to join.