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Mortgage Refinancing Help
: Regional: North America: United States: California: Business and Economy
: Financial Services (20)
 If you have a mortgage, you should keep an eye on rates-especially if you have an adjustable rate mortgage. Getting locked in at a lower, fixed rate can save you hundreds, possibly even thousands, of dollars over the life of your loan.
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 Citizens Business Bank »
Specializing in serving professionals, businesses and public organizations. Includes service descriptions, available assets, locations and investor information.
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 Owens Financial Group »
A direct lender specializing in commercial mortgages in the western United States. Includes services, recent loans and testimonials.
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 Golden Capital Network »
A networking, training and consulting organization which runs the Venture Capital Conference series in California. Includes a description of services, investor profiles, and a newsletter.
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 Secured Retirement Incorporated »
Providing business owners an economical solution to the costs of qualified retirement plans. Specializing in 401(k), profit sharing, money purchase pension and defined benefit pension plans.
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 California Tax Education Council (CTEC) »
CTEC registers tax preparers who have successfully completed the qualifying and continuing education requirements of the State of California. CTEC approves qualifying and continuing education providers that meet the requirements of the State of California.
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 EZcashnow.com »
Allowing clients to borrow against the value of their cars, using the title as collateral.
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 Northern California Community Loan Fund »
Provides financial and technical assistance for affordable housing, and to non-profit organizations that serve low-income communities.
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 Buena Vista Financial Resources »
Specializes in the financial aspects of divorce, and focuses on providing financial guidance during times of transition.
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 SingerLewak »
Engaged in assurance and advisory, tax, risk management, forensic accounting, litigation support, business valuation and management. Includes history, services, and personnel. Offices from San Diego to Silicon Valley.
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 EPA Business and Financial Services, Inc. »
Offers health insurance to individuals and groups. Site describes products and services.
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 Westlake Financial Services »
Specialists in sub-prime automotive financing.
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 Pacific Southwest Realty Services »
California based, privately-held commercial mortgage banking firm specializing in placement and financing with insurance companies, capital market CMBS, and other institutional lenders. Includes office directory, profile, and brochure.
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 Edwards Federal Credit Union »
Full-service credit union for residents in Antelope Valley. Offices in Edwards and Lancaster, with maps and business hours.
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 Oak Valley Community Bank »
Northern California financial institution.
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 Mike Lebeau »
Los Angeles lawyer. Information on property taxes and Proposition 13.
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 Blackford Capital, LLC »
A private investment firm that acquires, manages, and builds middle-market manufacturing companies. Offices in Irvine and San Francisco.
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 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.)
If you are able to get a lower rate that what you currently have, you can save tens of thousands of dollars over the life of your loan. Also, most lenders don't charge as many fees to refinance a mortgage and depending on how much equity you have in your home you may be able to roll the closing costs into your new loan, still have a lower balance than your original loan, a lower rate, and a lower payment.
If you are making payments on a long term loan, say, 30 year mortgage for the past 10 to 20 years, then refinancing to another 30 year loan will not be a good option as it may increase your overall payment.
Many people with poor credit history look to take out loans from friends and family. While this may be a fairly good short term solution, it might not be the smartest of long term business moves. What you need to do is refinance your mortgage and lower your payment. The best thing you can do for yourself is to shop around. I'd be willing to bet that some banks will give you a better deal on a mortgage refinancing than you think they would. Find out who's got the best rate to get the best deal on your loan. This might take a little legwork, but it could pay off. Finding that right bank to give you the right deal on your refinancing will be worth the effort.
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