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Mortgage Refinancing Help: Financial Services
“Start with your current lender. If you're a good customer-you hold a sizable mortgage, pay on time, and maintain good credit-your existing lender will probably do everything in its power to keep your business. The company may cut you a break on fees for things like appraisals, surveys, and inspections if the information is current and you meet other requirements.
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Mortgage Refinancing Help
: Regional: North America: United States: Maryland: Localities: F: Frederick: Business and Economy
: Financial Services (23)
 These days most people request a Good Faith Estimate (GFE), but have no clue what to look for on the GFE. Make sure you request a GFE that has ALL fees estimated and disclosed. This includes: origination points, processing, lender, appraisal, title, escrow... ALL FEES... especially the Yield Spread Premium or YSP.
 See also:
 Steven M. Katz CPA, LLC »
Provides financial planning, tax, business accounting and payroll services. Provides a company and staff profile along with financial tools.
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 Hildebrand, Limparis and Associates, CPAs, PC »
CPAs specializing in individual and business tax and financial consulting and planning. Provides details on services, staff and clients, along with news and tax updates.
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 Robert Bail Bonds Inc. »
Offers bail bonds and bounty hunter services.
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 Moore Wealth Inc »
Offers asset allocation and retirement planning strategies, estate planning, defined benefit and college funding plans for business owners, executives and entrepreneurs, Includes service details, tools and firm profile.
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 Entrust MidAtlantic, LLC »
Provides education, record keeping and administration for self-directed retirement accounts. Find information about investment options, plans and questions and answers bulletin board.
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 Spectrum Federal Credit Union »
Membership is open to select communities in Maryland and California, along with employees of select businesses.
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 CBF Business Solutions, Inc. »
Providing information services to lending, financial, business and medical communities specializing in credit reporting and collecting medical, retail and deregulated utility accounts. Includes company profile, lines of business and available services.
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 John Koelbl, CPA »
Providing tax, accounting, bookkeeping and financial consulting services. Includes listing of services offered, company and principal profiles and free seminar information.
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 D'Souza Financial Strategies »
Financial planning and investment management. Includes profile, service listing and news articles.
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 The Parkhill Report »
Collects and disseminates mortgage rate quotes from lenders. Profile and current rates.
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 Frederick County Bank »
Details of products and services, rates, locations, news and online banking services.
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 Dallavalle & Company, P.A. »
CPA firm focused on income taxes and financial planning. Provides financial tools and information along with a listing of services provided.
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 Murray Financial Group »
A comprehensive wealth management firm. Services, profile and firm principal.
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 Lace Financial Corporation »
Publishes rating services on banks, savings and loans, credit unions and most title insurance underwriters. Includes company profile, categorized products and current releases.
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 Maurice L. Deprey, LLC »
CPA firm providing financial business services. Has a company profile and listing of services offered.
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 Refinancing can be the right move to improve your financial situation, but be careful. Making the wrong move can put you much worse off. Smart and simple choices will go a long way toward keeping you financially secure.
Be Realistic. Lenders have tightened up loan requirements, so you'll need a good credit score and at least some equity in your home to refinance. To figure out how much equity you have, subtract the total amount that you owe on all of your existing mortgages from how much you think your home is worth. If your credit is severely impaired or you owe more than the value of your home, you probably won't be able to refinance right now.
Carefully review the estimated closing costs. If you decide to lock in the rate, the lender will send you a "good faith estimate" of your closing costs within three days. Go over the numbers carefully, and compare them to the ones that appear on the final settlement statement (the HUD-1) from your previous mortgage.
You have a legal right to a good faith estimate. Get a copy of this document and go over it with a fine tooth comb, it will reveal where there is a real problem.
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