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Mortgage Refinancing Help
: Business: Industrial Goods and Services
: Coating and Laminating (9)
 Refinancing may not be that useful if you have already used up 90% or more of your home value in taking out a mortgage or any home equity loan. You won't be able to get the best rates available in the market as when you refinance a 90% LTV loan, you will probably require a loan of that value or higher. This will be quite closer to being a 100% financing option and hence mortgage refinance rates will be comparatively higher. Moreover, 100% loans are hardly available in times of mortgage market crisis.
 See also:
 Surface Guard, Inc. »
USA. Custom coater and converter of surface protection films, and protective packaging products. Includes product information and advantages.
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 Jen-Coat, Inc »
USA. Extrusion coating, laminating, metallizing, and printing of paper, non-woven, foil, and film for the packaging industry.
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 Plasma Coatings Limited »
England. Plasma and ceramic, thermally sprayed coatings solutions for aerospace and biomedical industry applications. Features quality standards, profile, available products, and contact information.
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 Softal 3DT, LLC »
USA. Design, development and manufacture of plasma and corona treatment systems for plastic, rubber, foil and paper surfaces in medical, automotive, electronics and packaging applications. Detailed product catalog, including technical information. Description of corona discharge technology. List of distributors.
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 Conversion Technologies International »
Offers coating, sheeting, laminating, and die cutting for the automotive, furniture, flexogaphic, carpet, and construction industries.
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 Profilt »
Manufactures products supporting coating processes in dry and wet spray booths, including filters, flocculants, stripping agents, and protective films and coatings.
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 Ecological Coatings »
Manufacturer, distributor and applicator of water-based, low VOC, protective and industrial and non-stick coatings. USA.
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 B&F Meccanica S.r.l »
Italy. Lamination machine manufacturing and sales. Includes profile, products and services offered, recent news, and contact details. English and Italian versions.
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 Northern Coatings Ltd. »
Canada. Conformal coating applications. Includes profile, process description, testimonials, and contact details. [Requires Flash]
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 Make sure that your original mortgage does not have a pre-payment penalty or early payoff penalty of any kind. Sometimes people will get into their mortgage with the mortgage having a pre-payment penalty and they will not even know about it. Pre-payment penalties usually range from 6 months to 3 years with a penalty for an early payoff. The penalty is usually about the amount of 6 months worth of your mortgage loan interest, but this varies. You would have to be able to have some significant payment and interest savings on your refinance loan to justify refinancing a mortgage loan with a pre-payment penalty.
If you do not plan on staying in the house very long, refinancing may not be in your best interests.
These days most people request a Good Faith Estimate (GFE), but have no clue what to look for on the GFE. Make sure you request a GFE that has ALL fees estimated and disclosed. This includes: origination points, processing, lender, appraisal, title, escrow... ALL FEES... especially the Yield Spread Premium or YSP.
When refinancing a mortgage, as many as 30% of homeowner's cash out part or all of their home's equity. By investing in home improvements or paying off credit cards, this can be a smart. But, if you are borrowing more than 80% of your home's value, you will be hit with private mortgage insurance, costing you hundreds a year.
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