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Mortgage Refinancing Help
: Business: Information Services
: Information Brokers (15)
 Start with your current lender. If you're a good customer-you hold a sizable mortgage, pay on time, and maintain good credit-your existing lender will probably do everything in its power to keep your business. The company may cut you a break on fees for things like appraisals, surveys, and inspections if the information is current and you meet other requirements.
 Association of Independent Information Professionals (AIIP) »
An international association of owners of information businesses. Includes information on conferences and events as well as a code of ethics.
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 Information Prime NA, Inc. »
Provides information on-demand and document delivery services.
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 Research On Demand »
Offers fee-based research services, accessing public and private databases worldwide.
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 Newshare »
Provides consulting and information-brokerage services to newspapers, internet-service providers, broadcasters, periodical publishers, new-media and multimedia content providers.
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 InfoBroker.de »
German information broker specializing in information about companies, markets, industries, products, customers, top executives, countries and governments worldwide.
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 Information Technologies »
Collectors and compilers of public records such as tax liens, bankruptcies, and judgments.
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 Cal Info »
Research, retrieval and publishing services.
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 Access Information Services, Inc. »
Provides business research, information gathering and analysis, competitive intelligence, and market research services.
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 LexisNexis Risk Solutions »
Specializes in providing information research and brokerage services and solutions to the insurance companies, asset-based lenders and professional service providers, and federal, state and local government agencies.
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 Noble Ventures »
Offers a variety of research tools and services, including computer and office equipment lease leads, sales leads, databases and fax and voice message broadcasting.
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 Data Search »
Provides public record searches for the finance and legal industries.
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 CRIF S.p.A. »
Offers models, consultancy and management solutions, software, business information to support finance, insurance, utility and service companies.
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 Just The Facts, Inc. »
An information search and retrieval research service for business, acquisitions and competitive intelligence.
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 Bates Information Services »
Information broker specializing business information research.
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 ORC International »
Provides fully integrated research, advisory and business intelligence services in a broad range of industries and disciplines.
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 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.
If you know that you will be moving in 3 to 5 years, you might want to consider refinancing to a 3 or 5 year ARM (adjustable rate mortgage). These loans typically have a much lower rate that a traditional fixed rate loan such as a 30 year fixed, but they do have a fixed rate for the first 3 or 5 years of the loan. This will enable you to benefit from the lower rate, but you won't ever have to worry about the risk of a rate adjustment because you will be selling the home before the fixed-rate period ends.
Lenders like pristine credit reports. If you have a bunch of open credit card accounts that you never use (and who doesn't?), consider closing them. It will boost your credit score and make you a much more attractive borrower to a lender. Then, a month after you've closed your accounts, go over your credit report with a fine-tooth comb. It should read that the accounts were closed at your request. (You don't want lenders to think someone cut you off and that you're a bad credit risk.)
Homeowners who want to refinance but can't because they owe more on their home than their home is worth (also known as "upside down") should focus their time and energy on making more money. Adding a part-time job or starting a side business will bring extra income into the household, income that can be used to make extra payments a mortgage.
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