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Mortgage Refinancing Help: Iowa
“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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Mortgage Refinancing Help
: Business: Financial Services: Banking Services: Credit Unions: Regional: United States
: Iowa (17)
 Almost 30 million Americans qualify for a VA Loan. With a VA Loan, you can qualify for a VA Streamline Refinance. You may also be able to refinance your home with an FHA Streamline refinance.
 See also:
 Des Moines Metro Credit Union »
Des Moines. Membership is open to residents in Polk and surrounding counties.
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 Edco Credit Union »
Des Moines. Eligibility for membership to individuals who live or work in Polk County or contiguous counties, as well as family members. Includes information about services, loans, rates and hours.
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 Midwest Community Credit Union »
Sioux City. Serving anyone living in Woodbury or Plymouth County.
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 Veridian Credit Union »
Oelwein. Serves anyone who lives or works in Black Hawk, Bremer, Buchanan or Fayette County.
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 Tradesmen Community Credit Union »
Community credit union serving members who live in Des Moines, Iowa.
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 River Valley Credit Union »
Story County. Serving employee groups of in Ames and Story County.
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 Dupaco Community Credit Union »
Dubuque. Serving those who live or work in Dubuque, Jackson or Delaware Counties in Iowa.
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 University of Iowa Community Credit Union »
Membership is open to all residents living or working in certain counties as well as to relatives of a current member or attended the University of Iowa.
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 Alliant Credit Union »
Dubuque. Serving Interstate Power Company's employees and their families.
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 Capitol View Credit Union »
Des Moines. Open to employees of the State of Iowa and family members. Includes information about products, services, rates and membership application.
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 Metco Credit Union »
Cedar Rapids. Serving select employee groups in Cedar Rapids or Benton, Buchanan, Cedar, Delaware, Iowa, Johnson, Jones or Linn Counties.
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 Collins Community Credit Union »
Cedar Rapids. Serving those who live or work in Cedar Rapids.
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 United Service Credit Union »
Des Moines. Serving church members and employees of Iowa United Methodist, Presbyterian, UCC, Episcopalian, and Disciples of Christ. Also serving Iowa Health System employees and affiliates, and other church related institutions. Includes company profile, information about services, rates and office hours.
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 North Iowa Community Credit Union »
Mason City. Serves those living or working in Cerro Gordo, Franklin, Hancock, Winnebago, Worth, or Wright counties.
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 Dutrac Community Credit Union »
Dubuque. Serves anyone who lives or works in the Dubuque, Jones, Jackson, Clinton and Scott counties.
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 Linn Area Credit Union »
Cedar. Serves anyone living or working in Linn County, and surrounding counties.
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 Make sure the new title is correct. The fact is, most people never see their deed before it's recorded at the county court house, says Gumbinger. He recommends that you ask the lender if you can review the title to the property before it gets filed, so that you can make sure it's correct.
Close inactive credit card accounts to improve your credit score, making you eligible for lower interest rate loans. You will need to notify the credit card companies in writing that you wish the accounts closed on your request. Next, check your credit report after 30 days to be sure closed accounts include the comment "Closed at Customer's Request." You want future lenders to know it was your request and not bad credit that closed your accounts. Also, take the time to check for any mistakes in your credit report that could negatively impact your credit score.
Start with your current lender. If you're a good customer-you hold a sizable mortgage, pay on time, and maintain good credit-your existing lender will probably do everything in its power to keep your business. The company may cut you a break on fees for things like appraisals, surveys, and inspections if the information is current and you meet other requirements.
When it comes to lowering your rates you will need to weight the benefits of having a lower rate vs. paying points up front. You may end up paying a lot more depending on your choice and how long you plan on keeping your mortgage.
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