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Mortgage Refinancing Help
: Regional: North America: United States: Business and Economy
: Real Estate (180)
 Pull your credit report from the bureaus and review it for any negative items (late pays, collections etc) and inaccurate detail. Try to dispute negative items and remove them from the report. If required pay off any unpaid debt. Otherwise, you won't get a low rate and may not even qualify. Of course there are lenders in the subprime market who may offer you a bad credit refinance loan, but it's better to avoid them as they'll possible charge higher rates and fees.
 See also:
 Security Title Guarantee Corporation of Baltimore »
Regional title insurance underwriter offering service and support to title agents and attorneys who provide settlement services. Operates in many parts of the Eastern US.
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 McKinley »
Manager and owner of office buildings, retail properties and apartment communities throughout the US with regional offices in Michigan, Ohio, Florida, Virginia and Oklahoma.
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 The Condo Company »
Specializes in the US condominium market. Browse listings, information on existing buildings and pre-construction properties.
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 Picerne Real Estate Group »
Developers, builders and managers of multi family housing, senior housing, single-family housing and military housing.
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 National Association of Real Estate Publishers »
Free real estate magazines nationwide. Meet the publishers, plus view the homes for sale.
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 Macerich Co. »
A real estate investment trust listed on the NYSE under the symbol of MAC. Owners, operators and developers of major retail properties.
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 Naterra Land »
Develops and sells recreational tracts and vacant land in the Midwest and Southeast; includes details on subdivisions, job opportunities, and contacts.
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 Nationwide Environmental Title Research, LLC »
Nationwide public records portal for seekers of local governments' data online, including taxes, deeds, parcel and GIS maps, for environmental and real estate professionals.
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 Community Housing Partners »
A regional, not-for-profit housing and community development corporation serving communities in Virginia and Florida.
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 Enterprise Community Investment, Inc. »
A real estate investment services company providing development capital via equity and debt products for affordable housing and community development. Profile, news, products and services.
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 Land Advisors Organization »
Specializes in land brokering, with offices in Arizona, Texas, and Virginia. Company profile, listings, and related links.
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 Gandolf Group, LLC »
Developers of senior and family affordable housing. Features executive and development teams, communities, services, experience. Based in St. Louis Park, MN.
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 United Country Real Estate »
Offers details on farm, land, and other rural property listings across the US.
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 Constructa US »
Division of a European full-service real estate company. Offices in Miami, Chicago, New York, Vero Beach, Philadelphia, and Washington D.C.
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 National Association of Realtors »
Trade organization for real estate agents. Includes overview, code of ethics, activities, and membership information.
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 Lord Baltimore Properties »
Owners, managers and developers of commercial and residential real estate. Includes property portfolio and news. Based in Baltimore, MD with regional offices across the US.
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 Laramar »
Developers and investors in apartments and healthcare communities. Background, properties and investor relations.
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 Jonathan Rose Companies, LLC »
Developer of diverse, mixed-use, environmentally sound communities around the nation. Features company overview, projects, resources, newsletter.
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 Flinders Realty & Exchange »
Sells land parcels, western ranches, homes, commercial real estate and developer services. Offers property searches, developer services, news and events, and office locations. Offices in Idaho and Utah.
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 Howard Hanna Real Estate Services »
Agency describes services, agents, locations and offers property search. Offices in Ohio, Pennsylvania, New York and West Virginia.
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 Domania »
Nationwide databases of estimated property values, prices that homes sold for, property tax appraisals, for sale listings, and related consumer resources.
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 Realty Direct »
Agency offers residential and commercial brokerage services and property management. Includes office and agent locator, featured listings and property search.
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 Camden Property Trust »
Real estate investment trust specializes in apartment communities. Includes property search, career opportunities and investor information.
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 If you know that you will be moving in 3 to 5 years, you might want to consider refinancing to a 3 or 5 year ARM (adjustable rate mortgage). These loans typically have a much lower rate that a traditional fixed rate loan such as a 30 year fixed, but they do have a fixed rate for the first 3 or 5 years of the loan. This will enable you to benefit from the lower rate, but you won't ever have to worry about the risk of a rate adjustment because you will be selling the home before the fixed-rate period ends.
If your new mortgage rate seems too good to be true then it probably is. Check for hidden fees in your mortgage that will make up that suspicious difference.
Know your credit score before you begin looking for a loan. If you can, try to remove any blemishes from your credit report before applying for a refinance.
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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