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Mortgage Refinancing Help
: Business: Human Resources
: Recruiting and Retention (35)
 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.
 See also:
 Recruit Savvy »
Services offered include: recruitment advertising, résumé mining, candidate research, and response management services. Based in Mahwah, New Jersey, USA.
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 Global Learning Resources »
Recruiting consulting firm. Includes surveys, presentations, papers, articles, and free newsletter. Based in Fremont, California, USA.
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 Potentialpark Communications »
An international consulting and communication firm that provides qualitative and quantitative research for improving recruitment. Based in Leipzig, Germany and Stockholm, Sweden.
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 Cluff & Associates »
Consultant on recruitment trends and employment practices. Core areas include competitive employment strategies, customized selection profiles and behavioral interviewing techniques, RIMS solution selection (applicant tracking), and recruitment metrics. Based in Reston, Virginia, USA.
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 Recruiter Resource Directory »
Portal is designed to be a complete resource for the staffing, human resource, and recruiting industries. Based in Chicago, Illinois, USA.
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 Internet Business Network »
Internet recruiting resource for businesses and recruiters. Publishers of Electronic Recruiting News. Based in Mill Valley, California, USA.
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 Talent Drain »
Provides employee retention services. Based in London, England.
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 Workforce Retention »
Offers employee retention solutions through outsourced telephone and online exit interviews and internal exit interview programs.
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 First Advantage Recruiting Solutions »
Provides process consulting and IT solutions related to recruiting. Based in Fishers, Indiana, USA.
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 ERE.net »
An online community for recruiting and HR professionals, featuring recruitment articles, jobs, blogs, conferences, and social networking.
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 InsightExit »
An online web-based exit interview management system designed to analyze reasons for turnover and assist in employee retention strategies. Based in Los Angeles, California, USA.
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 Talent Keepers »
Provides employee retention services. Based in Maitland, Florida, USA.
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 Employee Retention Strategies »
Provides a fact-based, research supported newsletter on employee retention, satisfaction, and motivation. Based in Phoenix, Arizona, USA.
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 Recruiting »
A recruiting weblog community portal.
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 Center for Workforce Development »
Provides strategies to recruit, retain, and advance students and professionals in science and engineering disciplines. Services include needs assessment, training sessions, program implementation, and evaluation. Part of the University of Washington, based in Seattle, Washington, USA.
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 The Aggregator »
Weblog that reviews issues relating to job recruitment and potential candidate strategic data research.
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 HRSEO »
Provides consulting services that help organizations utilize search engines to recruit. Based in Cleveland, Ohio, USA.
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 Retensa »
Provides employee retention consulting services. Publishes free turnover articles and newsletter. Based in New York, New York, USA.
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 Edison-Blake International »
Provides recruitment and selection tools as well as career management strategies, advice, and training. Based in Auckland, New Zealand.
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 Jim Stroud »
Offering training guides, research tools, and a podcast for recruiters. Includes a weblog on the industry. Based in Atlanta, Georgia, USA.
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 HireVue »
Provides video job interview technologies combined with recruitment screening and evaluation tools for employers. Based in Salt Lake City, Utah, USA.
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 The Asia Pacific Headhunter »
Weblog that provides information on recruiting, executive search, and careers.
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 The Work Institute »
Offers products and services to attract, retain, and develop human assets. Includes case studies, community blogs and forums. Based in Brentwood, Tennessee.
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 Recruiting Fly »
Directory of recruiting and human resources blogs. Based in Trumbull, Connecticut, USA.
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 It is feasible to go for a refinance when you have built up at least 10% equity in your home (For Fannie Mae owned mortgages, the value is 5%). It is also possible for you to choose the option if your equity is less than 5%, but you may have to pay a certain amount of cash in order to make up for the difference in equity.
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.
Mortgage can last a lifetime and that extra 1% can add up to literally thousands of dollars over the years. I have friends that are in their 70s and still paying off their home loans. It'll pay off in the long run to make sure you find the best deal possible. Don't let poor credit stop you from refinancing your home.
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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