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Mortgage Refinancing Help: Captives
“If you have a mortgage, you should keep an eye on rates-especially if you have an adjustable rate mortgage. Getting locked in at a lower, fixed rate can save you hundreds, possibly even thousands, of dollars over the life of your loan.
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Mortgage Refinancing Help
: Business: Financial Services: Insurance: Risk Management
: Captives (22)
 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:
 Garnet Captive Insurance Services, LLC »
Works with insurance agents and brokers to provide an alternative to fixed cost insurance for their clients, and structures programs that meet the needs of commercial employers in the USA.
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 CaptiveGuru »
Provides access to alternative and captive insurance information. Some features only available to members.
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 Aon Captive Services Group (ACSG) »
Parent site of Aon Insurance Managers (AIM), IRMG, and the Risk and Insurance Research Group Limited (RIRG). International organization offers captive and risk management services.
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 Captive.com, LLC »
General resource site for the captive insurance industry. Offerings include articles, news, links, and case studies.
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 Captive Insurance Companies »
Provides information about captives, closely-held insurance companies, reinsurance, and their use in asset protection and planning. Site also includes legislation and court cases.
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 The Taft Companies »
A Bermuda-domiciled management and consulting group providing feasibility studies, formation, and administration services. Site describes captive environment in Bermuda, South Carolina, District of Columbia, and Montana.
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 Captive Resources »
Offers independent consulting services in the area of captive insurance.
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 Strategic Risk Solutions »
A provider of underwriting and risk management services to captive insurance companies and alternative market insurers.
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 Capstone Associated Services, Ltd. »
Provides alternative risk planning and captive insurance management services with up-to-date information on tax strategy and compliance for the middle market business. Located in Texas, USA.
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 If there are only a few years left on your current loan, it's no use refinancing with a long term loan. You may need extra cash but with a long term loan, you'll end up paying more for the entire loan term.
Many financial advisers caution against cash-out refinancing to pay down unsecured debt (such as credit cards) or short-term secured debt (such as car loans). You may want to talk with a trusted financial adviser before you choose cash-out refinancing as a debt-consolidation plan.
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.
Get your interest rate and closing costs in writing as soon as you decide on a lender to work with. Get your lender to give you a commitment in advance of all of the costs that will be involved with your loan. Find out if the refinance loan you are getting has a pre-payment penalty as well. Sometimes lenders will leave out important information like this, if they think it might scare you away from refinancing with them.
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