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Mortgage Refinancing Help
: Regional: North America: United States: Business and Economy
: Financial Services (29)
 When refinancing, don't take the first offer that comes around. Instead you should actively compare both interest rates and lenders.
 See also:
 Payment Alliance International »
Offers bank, partner, ATM and association services. Includes company and management team profiles, and office locations.
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 Grant Thornton LLP »
US member of Grant Thornton International, an accounting, tax and business advisory organization. Profile, services and industries served.
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 National Venture Capital Association »
Aims to foster greater understanding of the importance of venture capital to the United States economy and to support entrepreneurial activity and innovation. Includes organization background, membership services, and industry information.
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 Horne LLP »
Certified public accountants and consultants with offices throughout the southern US. Includes staff profiles and services offered.
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 Financial Security, Inc. »
Offers a full range of financial planning and wealth management services. Offices in Virginia, North Carolina, and Connecticut.
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 Babson Capital »
Investment management firm with offices in Massachusetts, New York and North Carolina. Includes information on investment products and services, news, and research.
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 Securities Compliance Management »
Provides compliance support and risk management for brokers, dealers and investment advisors. Lists services, contact information, and has a CV of the founder.
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 Electronic Transfer Account (ETA) »
A list of banks, credit unions, or savings and loans which Federal benefit, wage, salary or retirement payments can be deposited electronically.
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 Bank of America Business Capital »
Provides asset-based loans for working capital, acquisitions, turnarounds, and recapitalization.
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 Shay Financial Services, Inc. »
Assists institutional investors in asset management and investment portfolio strategies. Services, market update, research articles, and locations.
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 Tri-State Financial Press LLC »
Experienced in filing documents with the Securities and Exchange Commission (SEC) since 1993.
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 ALPFA »
National professional association for the enhancement of opportunities for Latinos in the accounting, finance and related professions.
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 WPI Financial Services »
Providing small to medium size businesses with loan assistance, consulting and turnaround management, with offices in Connecticut, Florida and Rhode Island.
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 Newport Group »
Independent investment consulting firm. Includes services, company profile, strategic alliances, career information. Corporate headquarters in Heathrow, FL.
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 Community Association Banc »
A division of First National Bank of Arizona. Provides banking services exclusively to common interest community associations.
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 Don't rely on published rates. "No one's going to advertise their worst product," says Keith T. Gumbinger of HSH Associates, a Butler, NJ, firm that tracks mortgage rates. "They advertise the best possible rate, which probably gets offered to only the top 10 percent of applicants."
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.
Short-term mortgages offer lower interest rates than long-term mortgages. You save money by the lower interest rates and shorter payment period. The trade off is a larger monthly payment, but this option can save you thousands.
When lenders offer a "no-cost" loan, they may include a prepayment penalty to discourage you from refinancing within the first few years of the loan. Ask the lender offering a no-cost loan to explain all the fees and penalties before you agree to these terms.
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