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Mortgage Refinancing Help
: Business: Financial Services
: Surety Bonds (145)
 If you are making payments on a long term loan, say, 30 year mortgage for the past 10 to 20 years, then refinancing to another 30 year loan will not be a good option as it may increase your overall payment.
 See also:
 Ameribonds Surety & Insurance »
Offers free information and ordering of all types of bonds.
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 King Surety Group »
Contract bonding for the construction industry
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 The Insco/Dico Group »
All types of surety bonds.
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 The Stoll Agency, Inc. »
Provides surety bonds and insurance for the construction industry.
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 Casualty & Surety, Inc. »
An independent national wholesale brokerage firm.
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 Bonds Only, Inc. »
Offers bid, performance and payment bonds. Also provides bonding contractors in Florida, Georgia, North and South Carolina, Virginia, and Tennessee.
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 Poindexter Surety Services »
U.S. provider of bail bonds, federal bonds, immigration bonds and bail agency contracts.
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 Bondsexpress »
Offers "24 hour turnaround" on Surety Bonds.
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 Express Surety Bond Services »
Specializes in several types of Florida surety bond programs.
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 Esuretybond.com »
Offers all types of surety bonds throughout the nation.
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 Guardian Group »
Providers of defect, takeover and turnaround construction consulting services on behalf of surety, construction and insurance companies, banks, owners and developers.
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 Surety Bond Associates »
Markets surety services to small, minority and women-owned contractors.
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 CNA Surety »
Supplies all types and sizes of contract and commercial surety and fidelity bonds.
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 Trade Credit Solutions »
Specialist credit insurance broker for domestic and export credit insurance, surety bonds and guarantees. Includes guide to product and services, and a feedback form.
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 Skillings Shaw and Associates »
Surety bond producers for the construction industry.
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 AAA Surety Company »
Providing surety bonds to contractors, insurance agents, business owners and the legal community in the Dallas and Fort Worth area.
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 Mountain High Surety, Inc »
National surety bond provider offering all types of surety bonds.
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 South Coast Surety Insurance Services Inc. »
License and fidelity bonds, commercial and contract bond programs. Features online applications and forms.
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 The Barbour Group, LLC »
Specializes in many types of Surety Bonds and insurance.
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 C&H Agency.com »
Bonding and insurance company specializing in the construction industry.
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 JW Bond Consultants, Inc. »
Surety bonds for clients with good and bad credit.
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 Surety Company of the Pacific »
Provider of California contractor license bonds.
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 Rocky Mountain Surety »
Located in Colorado, provides bonds to contractors in Colorado, Arizona, Utah, Nebraska, and others.
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 Short-term mortgages offer lower interest rates than long-term mortgages. You save money by the lower interest rates and shorter payment period. The trade off is a larger monthly payment, but this option can save you thousands.
Don't escrow taxes and insurance. Unless you're undisciplined, avoid putting monies in escrow to cover your property taxes and homeowner's insurance. There's usually a fee for this privilege that runs under 1 percent of the loan amount, in states where it's allowed. "Paying the fee will allow you to time your tax and insurance payments to your benefit," says Bank South's Steve Austin. For instance, you may be able to prepay taxes that are due next year and use those payments to reduce your current tax bill. Moreover, you get to hang onto your money longer. That may be an advantage when interest-bearing accounts start paying more.
Be Inquisitive. It's your responsibility to make sure that you understand the terms of your loan. Ask questions and listen carefully to the answers. Don't sign your loan documents until you are satisfied with the information and confident that you have made the right decision.
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.
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