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Mortgage Refinancing Help
: Business: Investing: Socially Responsible
: Associations and Directories (12)
 Don't fall for the 0% apr unless it fits in with your master plan. A lot of brokers will try to get you locked into a low interest rate that will balloon on you in a couple of years and leave you out on the street.
 ASrIA »
Not for profit, membership association dedicated to promoting corporate responsibility and sustainable investment practice in the Asia Pacific region.
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 Finance for a Sustainable Recovery »
This is UKSIF’s blog on creating a robust financial framework for sustainable and responsible financial services. It covers laws, regulation, fiscal measures, voluntary standards, skill requirements and cultural norms.
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 International Association of Investors in the Social Economy »
Network of financial institutions working for positive social and environmental change. Membership list, publications, programme listings. Europe-based, global scope.
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 UK Social Investment Forum »
Member association of the United Kingdom social, ethical, and green investment industry and community. Related library, activities, news, and member directory.
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 World Microfinance Forum Geneva »
The provision of financial services to the population at the base of the economic pyramid contributes to poverty reduction and development, and offers interesting business opportunities.
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 European Social Investment Forum »
Pan-European stakeholder network encourages and develops sustainable and responsible investment and better corporate governance. Members of include pension funds, financial service providers, academic institutes, research associations and other NGO's. Europe
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 Social Investment Forum »
Trade association presents related news, research, and member directory.
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 United Nations Environment Program Finance Initiative, Principles for Responsible Investment »
Aims to help integrate consideration of environmental, social and governance (ESG) issues by institutional investors into investment decision-making and ownership practices, and thereby improve long-term returns to beneficiaries.
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 Responsible Property Investing Center »
Brings together real estate practitioners, developers, lenders, fund managers, asset owners, and institutional investors finding and creating value through improving the economic, social, and environmental profiles of their investments. Members coordinate their practices, conduct research, and create networks.
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 Social Investment Organization »
Trade association of the Canadian social investment industry and community. Related news, research, and user-friendly member directory.
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 CSR and SRI jobs directory, sponsored by Ethical Performance »
Directory of career and job opportunities in the fields of corporate social responsibility and socially responsible investment. Global
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 Just Pensions »
Toolkit for UK pension fund trustees and fund managers enabling responsible investment strategies. A programme of the UK Social Investment Forum.
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 If you are planning to stay in your home for several years, then you can save money by paying points for lower interest rates. You pay up front fees to ensure you have lower interest payments over the course of your loan. Remember, this only works if you keep your mortgage for several months.
Weigh the costs carefully of how long you will be staying in your home vs. how much of a savings you will be getting in a refinance. Make sure you include closing costs in your decision.
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 companies in this industry will do what ever they can to get away with charging you as much as they possibly can. Some of the ways they do this is not disclosing all the third party fees involved in a loan such as title insurance, appraisals, pre-paid tax and insurance escrows etc. It is important that you ask the loan officer you're speaking with about third party fees. If you don't they may not tell you and give you a good faith estimate that sounds fair, but at closing you'll find out that you have to pay a couple of thousand dollars more in fees you were unaware of. A good loan officer at a reputable company should have no problem disclosing all fees that pertain to your loan and should also make sure you understand what the fees are for.
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