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Mortgage Refinancing Help
: Regional: North America: United States: Iowa
: Business and Economy (203)
 Don't fall for the 0% apr unless it fits in with your master plan. A lot of brokers will try to get you locked into a low interest rate that will balloon on you in a couple of years and leave you out on the street.
 See also:
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 Control Installations of Iowa »
Designs, builds and installs advanced integrated automated and security systems. Includes information about products, employment opportunities and contacts. Located in Des Moines and Cedar Rapids.
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 The Mansion »
Offers full interior design service. Includes details, links to furnishings and accents, contact information and design philosophy. Located in Iowa City and Des Moines.
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 Saxton Inc »
Offers facilities management and interior design services. Located in Cedar Rapids, Des Moines and Davenport.
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 Iowa Network Services »
Provides access to fiber optic technology to approximately 330 communities. Includes company profile, information about products and services and a history of rural telecommunications. Located in West Des Moines.
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 Sadler Power Train »
Specializing in the distribution of heavy, medium, and light-duty truck parts and remanufacturing of transmissions, differentials and drivelines. Includes information about services, parts and employment. Located in Cedar Rapids, Dubuque, Davenport and Waterloo.
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 Strategic/Economics Group »
Offers research, consulting and economic impact analyses for businesses and governments in Iowa and the Midwest. Founded by Harvey Siegelman, former State Economist of Iowa. Includes team profiles and details of recent projects. Located in Des Moines.
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 Pro Shield Fire Protection »
Fire extinguishers, emergency signs and lighting, hoods and commercial fire suppression equipment. Located in Waterloo, Marshalltown and Fort Dodge.
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 PrimeCare America »
Offering chiropractic loans for clinic sales, buying chiropractic clinics, DC Practice purchase or DC Clinic expansion.
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 WestWind Logistics »
Pallet supplier and for-hire transportation services. Includes directions to corporate office in Story and production facilities in Des Moines, McClelland and Mt. Pleasant.
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 Apple Tree Children's Centers »
Operates seven child care centers in Iowa. Offers developmentally appropriate programs for children from six weeks to ten years of age.
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 Office Installation Services, Inc. »
Offers modular furniture installations, reconfigurations, refabrication, shelving, moving and storage. Includes company profile, testimonials and employee photographs. Located in Cedar Rapids and Johnston.
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 Hawkeye Renewables »
Privately-owned company that uses locally-grown corn to manufacture and distribute ethanol. Includes company history, team profiles and photographs. Located in Iowa Falls and Fairbank.
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 Veenstra & Kimm Engineering »
Provides municipal engineering services including water, wastewater, streets and roads, planning, airports, storm drainage and other associated services. Includes company profile, information about projects, employment and locations.
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 Nagle Signs, Inc »
Custom sign provider for commercial usage. Locations in Waterloo and Marshalltown.
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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.
There is no such limit on the number of times you can go for home refinance loans. Most lenders prefer that you have no late payment for the past 12 months before you switch over to a new loan.
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 refinancing from one ARM to another, check the initial rate and the fully-indexed rate. Also ask about the rate adjustments you might face over the term of the loan.
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