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Mortgage Refinancing Help: Advocacy and Protection

If you do not plan on staying in the house very long, refinancing may not be in your best interests.

 

 
           
Mortgage Refinancing Help : Home: Consumer Information : Advocacy and Protection (169)

 

 

 

Mortgage Refinancing TipWhen refinancing, don't take the first offer that comes around. Instead you should actively compare both interest rates and lenders.



Mortgage Refinancing Help: Advocacy and Protection ()

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The Swedish Consumer CoalitionThe Swedish Consumer Coalition »
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Consumer DirectConsumer Direct »
A one-stop service run by the United Kingdom's Department of Trade and Industry. Provides information and links to sources of further advice on issues of concern to general consumers.
 
Australian Competition and Consumer CommissionAustralian Competition and Consumer Commission »
The Australian government consumer information and advice.
 
FairComment.comFairComment.com »
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U.S. Consumer Product Safety Commission (CPSC )U.S. Consumer Product Safety Commission (CPSC ) »
Official federal agency website, including recalls, reports, and alerts.
 
Consumer Advocate Tim DuffyConsumer Advocate Tim Duffy »
Consumer advocate offering advice on how to get the most for your money and pitfalls all consumers should be aware of.
 
eCrookseCrooks »
Discusses how to deal with ecrooks or Internet con-artists, who do not deliver merchandise.
 
Massachusetts Housing Consumer Education CentersMassachusetts Housing Consumer Education Centers »
One-stop Shopping for Housing Information and Referrals offered by the Massachusetts Nonprofit Housing Association's statewide network of housing agencies. Tenants, landlords, prospective buyers and homeowners can access information, referrals, brief counseling or workshops on a wide range of housing issues.
 
HomeOwners for Better BuildingHomeOwners for Better Building »
Dedicated to helping homeowners resolve their construction defects, and exposing the use, abuse, and unfair tactics of binding arbitration in new home contracts.
 
North East Mediation & ArbitrationNorth East Mediation & Arbitration »
North East Mediation and Arbitration Expediates Resolutions Through a cooperative and Supportive Environment.
 
ConsumersConsumers' Association of Canada »
An independent, non-profit volunteer organization, represents and informs consumers and advocates action on their behalf to improve the quality of life.
 
Seal California Arrest Records On LineSeal California Arrest Records On Line »
Obtain free investigator search tools that allows you to operate like a private investigator and obtain information plus a section to seal court records on line.
 
DisciplinedDocs.comDisciplinedDocs.com »
Search State databases to see whether a medical doctor or physician has been fined, disciplined, lost his/her license to practice medicine, been suspended, or had license revoked.
 
Consumers International (CI)Consumers International (CI) »
Supports, links and represents consumer groups and agencies all over the world. It has a membership of over 250 organisations in over 100 countries. It strives to promote a fairer society through defending the rights of all consumers, especially the poor, marginalised and disadvantaged.
 
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Insurance Consumer Advocate NetworkInsurance Consumer Advocate Network »
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BizOpRefund.comBizOpRefund.com »
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MCCA - Consists of all Commonwealth, State, Territory and New Zealand Ministers responsible for fair trading, consumer protection laws and credit laws.
 
ConsumerTips.comConsumerTips.com »
Links to complaint sites, scam alerts, fraud complaint centers, advice columns, advocacy resources for products, automotive, real estates, taxes, financial including credit cards.
 
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Consumer advice relating to holiday and travel complaints. Offers assistance to consumers who have suffered appalling holidays.
 
So You Wanna.com: RefundsSo You Wanna.com: Refunds »
Consumer information regarding refund requests, effective letter writing tips, enlisting outside sources, follow up and small claims court.
 
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Helps dissatisfied consumers get refunds and apologies.
 
Tattletale Consumer HotlineTattletale Consumer Hotline »
A consumer information web site providing consumer tips, alerts, health and fitness notes, and private sector and public sector information. Additionally, consumers may post complaints and get answers to questions.
 
Protecting Yourself from Consumer FraudProtecting Yourself from Consumer Fraud »
Florida Citizen Safety Center. Short text articles on many potential fraud situations.
 
Consumer Reports WebWatchConsumer Reports WebWatch »
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Social Security Number FAQSocial Security Number FAQ »
Other Information on SSNs and Privacy
 
Consumer WatchdogConsumer Watchdog »
A nationally-recognized, California-based, non-profit consumer education and advocacy organization. Deals in insurance reform, healthcare reform, billing errors, and other issues.
 
Fight BackFight Back »
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The Troubleshooter NetworkThe Troubleshooter Network »
In conjunction with Tom Martino's syndicated radio show, the site provides business referrals, consumer news, and a discussion board.
 
My WoesMy Woes »
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SMG ConsultingSMG Consulting »
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Texans for Builder ReformTexans for Builder Reform »
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ChoiceTrustChoiceTrust »
Consumers can access their personal credit report and insurance score. Also offers tools to find doctors, dentists or chiropractors, and research to verify professionals and businesses.
 
Independent Consumer Complaint NetworkIndependent Consumer Complaint Network »
Allows users to log complaints on any company globally. Browse through the database and read all about complaints on various companies.
 
Theme Park Accident ReportsTheme Park Accident Reports »
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Consumer Patrol 1Consumer Patrol 1 »
Offers a complaint forum, news tips, and customer service and product ratings.

 


 
      


Mortgage Refinancing TipBoth new homebuyers and refinancers can get free access to the credit reports that lenders use by visiting AnnualCreditReport.com, a website created via Congressional mandate. A free report from each of the three consumer reporting agencies -- TransUnion, Experian and Equifax -- is available at no cost every 12 months. Check for errors; if mistakes are found, don't hesitate to dispute any and all inaccurate and derogatory items.
 

Mortgage Refinancing TipClose inactive credit card accounts to improve your credit score, making you eligible for lower interest rate loans. You will need to notify the credit card companies in writing that you wish the accounts closed on your request. Next, check your credit report after 30 days to be sure closed accounts include the comment "Closed at Customer's Request." You want future lenders to know it was your request and not bad credit that closed your accounts. Also, take the time to check for any mistakes in your credit report that could negatively impact your credit score.
 

Mortgage Refinancing TipIf 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.
 

Mortgage Refinancing TipRefinancing 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.
 

   

   


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