Mortgage Refinancing Help: By Ethnic or Cultural Focus

“It's better to follow the 2% Rule which suggests that you can enjoy the benefits of a home refinance if your mortgage refinance rate is 2% lower than that on your current loan. The interest savings will help you recoup the costs you've paid for the new loan provided you stay in the property for a certain period of time (break-even period). However, there are no-cost as well as low-cost refinance loans wherein the costs are included into the loan. But you can expect comparatively higher rates on such loans. Moreover, these loans are limited when the market is in a credit crunch. ”

Be Proactive. Your loan representative should keep in contact with you even if there isn't any action on your loan. But do your part to keep the lines of communication open as well. If you don't hear from your loan representative for a few days, pick up the phone and ask for an update. The old adage that the squeaky wheel gets the grease definitely applies in this situation.

See also:

• Society: Ethnicity (4,649)

Media Reach Advertising » UK-based agency experienced in targeting Asian, African Caribbean, Arab and Chinese markets.

Targeted Advertising Group » Focuses on marketing communications to reach niche consumer groups including the African American, Hispanic and Asian consumer market.

Ethnimark » A site to help advertisers, media planners, buyers reach the South Asian markets in Canada.

Ameredia » Full-service multicultural advertising agency specializing in marketing to growing ethnic segments in the United States.

Spark Media Lab » A multilingual communications agency based in Singapore that provides print, audio, interactive and web design.

DaNu Spot Advertising » Creative Brand Identity, Video, Audio, Print, Promotions, and Marketing expertise for the Russian Ethnic Market Nationwide.

Akwan Strategic Media » Develops marketing and advertising campaigns aimed at ethnic communities in the United Kingdom.

Response Advertising » Marketing communications firm that specializes in creating marketing and advertising solutions for the multicultural markets in Canada and the United States.

Maya Advertising and Communications » Develops communications campaigns for minority markets encompassing initial creative and production to placement and results measurement.

The San Jose Group » A consortium of marketing communications companies specializing in reaching the Hispanic and non-Hispanic markets of the U.S. and Latin America.

IndiAds.com » Advertising network targeting the Indian and South Asian online community.

Capricorn » Advertising agency specializing in the French market.

Comadres, Inc. » A multicultural marketing communications firm located in Chicago, IL that provides integrated marketing, sales promotion and advertising services to companies targeting minority consumers.

Kisik Marketing and Communications » A Canadian-aboriginally owned company formed to serve the marketing needs of the Aboriginal tourism industry in Canada by assisting them to grow and prosper with a view towards self determination.

Black Market Visual Communications » Offers visual communications, advertising and marketing services focusing on the youth and urban market.

Bgmedia Design » Spanish advertising agency located in Barcelona, Spain.

Ethnic Marketing and Business Consulting, LLC » Creates multilingual media and marketing campaigns for manufacturing companies, advertising agencies, PR firms, and media companies with a specialization in marketing campaigns in Russian and others East European languages.

Prime Access Inc. » Develops multicultural marketing and advertising campaigns aimed at urban audiences.

Crossover Creative Group » Full-service agency targeting African-American, Asian and Hispanic Markets.

Global Advertising Strategies, Inc. » A full-service advertising agency specializing in niche, multicultural and international marketing. We recognize the new Multicultural 2.0 environment and use it to the benefit of our clients.

Silk PR » Multi Ethnic Urban Public Relations Marketing, Brand Awareness, European marketing, TV campaigns, Web Sites, Black pr, Publicity, Internet Urban marketing

Intercultural Niche Strategies, Inc. » An entertainment marketing and strategic planning company specializing in multi-cultural and multi-ethnic groups in the United States.

Allied Media » Public Relations and Advertising firm specializing in Ethnic Outreach

Rao, Barrett and Welsh » Toronto-based idea consultancy is an industry leader in producing channel-agnostic, idea-centric work for the South Asian/Asian Indian and Chinese markets in North America.

Cultural Buzz PR » An urban, ethnic marketing strategy firm with a concentration in the Hispanic, Asian and African American demographics, social media and integrated marketing communications.

Multicultural Marketing Resources, Inc. » Public relations and marketing company representing corporations with multicultural news and experts in marketing to Hispanic, Asian American, African American, women, and other cultural markets.

Admerasia » A full service multicultural advertising and marketing agency located in New York primarily focused on the Asian market.

Yapor Communications » Boutique agency providing integrated communications services in English and Spanish.