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Mortgage Refinancing Help
: Business: Financial Services: Insurance
: Claims (195)
 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.
 See also:
 Gallagher Bassett Services, Inc. »
Worldwide company offering claims management, information management, risk control consulting, and appraisal services.
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 Ohio Adjuster's Directory »
A Directory of insurance related businesses providing repair, replacement, and professional services to handle claims in Ohio.
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 Studio Peritale M. Scognamiglio »
Italian firm offers insurance surveys and consulting for fire and cargo damages, all risks, and inquiries on thefts. Services most of Europe. [Italian, French, English].
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 C. Gielisch GmbH »
Global firm offers claims management, loss adjusting, surveyors, and average agents. [German, English]
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 Datascribe, Inc. »
Offers transcription services for recorded claims and other media. An on-line employment application is included, as well as on-line client activity requests.
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 Firemark-Investigation »
Offers fire and explosion investigations, specializing in service to the insurance industry. Serves both insurers and the general public. Certified nationally in the USA.
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 CatAdjuster.org (CADO) »
Provides resources and information for catastrophe adjusters, including forums, bulletin board, roster, and employers.
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 Klaipedos Netas »
Loss adjusters and surveyors, Lloyd's Agents and Agents of the American Institute of Marine Underwriters in Klaipeda, Lithuania. [Lithuanian, English]
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 National Property and Casualty Claims Research Services, Inc. (NPCCRS) »
Publishes information which allows estimating the cost of repairing damaged property, such as cars, trucks, houses, and boats.
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 Hickman-Shearer »
Specialist plant and machinery valuers, in the UK and worldwide. Services include insurance valuations, loss assessing, acquisitions and mergers, and, asset management services.
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 RV Appraisals & Investigations of America, Inc. »
Offering services and damage estimates for recreational vehicles, marine, and motorcycles, appraisals, and cause and origin determinations. Includes newsletter.
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 Davies & Gray »
A firm of consulting automobile engineers, claims assessors, and valuers. Operates primarily in Stockport on the south side of Manchester, England.
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 Motor Insurers Bureau of Ireland (MIBI) »
Deals with uninsured or untraced motors involved in accidents in Ireland. Claims can be notified and insurance details for vehicles can be requested.
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 Certus Claims Administrators »
Providing information and services related to hospitality insurance claims. Certus employees have years of experience in the claims administration industry and work in all states of the USA.
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 Both new homebuyers and refinancers can get free access to the credit reports that lenders use by visiting AnnualCreditReport.com, a website created via Congressional mandate. A free report from each of the three consumer reporting agencies -- TransUnion, Experian and Equifax -- is available at no cost every 12 months. Check for errors; if mistakes are found, don't hesitate to dispute any and all inaccurate and derogatory items.
There are literally thousands of mortgage companies all over the country. It is important that you choose a reputable one. Most reputable companies will be part of the Better Business Bureau or other community watchdog group. Good companies will also have websites that rank well on search engines such as Yahoo and Google.
Changing the term of your mortgage can help in several ways. First, if you were to refinance your current mortgage from 30 years to 15 years, you will accelerate the rate at which you pay towards principle each month meaning your house will be paid off quicker. Also, you will save an unbelievable amount of money in terms of interest because you would likely be taking 10 to 15 years off the life of your loan. Second, you can also refinance a 15 year mortgage to a 30 year mortgage. It seems like it might not make sense to do this, but if you have an immediate need to free up monthly cash-flow and you don't want to take out a home equity loan, this can work out to your benefit. When you take a 15 year loan and refinance it to 30 years you will have the same balance only the payments can be hundreds of dollars less than the 15 year loan. The only draw back to this is you will pay more in interest over the live of the loan.
You can also save money on your mortgage refinancing by paying "points." This is a fee that effectively lowers the interest rate of your loan. If you plan on staying in your home for a long time, this long-term strategy can be an excellent way to save thousands of dollars.
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