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Mortgage Refinancing Help: Telephony
“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.
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Mortgage Refinancing Help
: Computers: Internet
: Telephony (37)
 If you are paying private insurance on your current mortgage, refinancing may allow you to do away with this unnecessary expense.
 See also:
 TEK DigiTel Corporation »
Provides communications solutions for the small to medium size business by integrating traditional PBX technology with data routing and VoIP technology.
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 Voice Systems Research, Inc. »
Provides unified messaging, voice mail, advanced call routing, and IP-based telephony solutions.
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 Voice over IP and IP Telephony References »
A directory of talks, papers, books, organizations, vendors, standards, web pages, and standards on IP telephony.
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 VoIP Watch »
A weblog with news and reviews of VoIP products.
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 SecureLogix Corporation »
Provides enterprise telephony management systems.
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 NetYak »
Web-to-phone call button for e-commerce.
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 IP xStream »
IP Telephony data source.
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 Iscom, Inc. PCCall Service »
PC to Phone call services.
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 Voice over Internet Protocol »
An overview of VoIP from the Federal Communications Commission. With news, FAQs, factsheets, and findings.
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 VoIP Wiki »
A wiki that covers VoIP software, hardware, service providers, reviews, configurations, and standards.
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 Wikipedia: Voice over IP »
Encyclopedia article with background information, technical details, and the advantages and disadvantages of VoIP.
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 RADVision »
SIP, 3G-324M, H.323 stacks and testing tools for VoIP vendors.
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 1888usa.com »
Lists free fax and phone resources on the web.
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 VOIP EZ »
Offers in depth information on implementing VoIP in both consumer and commercial settings.
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 Packetizer »
Technical information about VoIP and videoconferencing.
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 iBasis »
Provider of wholesale international IP telephony services.
Internet Telephony: America Is Waiting
- FCC Chairman Kennard's remarks before the Voice Over Net Conference; Atlanta, Georgia; September 12, 2000.
(September 12, 2000)
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 Many financial advisers caution against cash-out refinancing to pay down unsecured debt (such as credit cards) or short-term secured debt (such as car loans). You may want to talk with a trusted financial adviser before you choose cash-out refinancing as a debt-consolidation plan.
Ask the lender or broker for a comparison of the up-front costs, principal, rate, and payments with and without this rate trade-off.
There are literally thousands of mortgage companies all over the country. It is important that you choose a reputable one. Most reputable companies will be part of the Better Business Bureau or other community watchdog group. Good companies will also have websites that rank well on search engines such as Yahoo and Google.
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.)
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