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Mortgage Refinancing Help
: Regional: North America: United States: New Jersey
: Business and Economy (152)
 Both new homebuyers and refinancers can get free access to the credit reports that lenders use by visiting AnnualCreditReport.com, a website created via Congressional mandate. A free report from each of the three consumer reporting agencies -- TransUnion, Experian and Equifax -- is available at no cost every 12 months. Check for errors; if mistakes are found, don't hesitate to dispute any and all inaccurate and derogatory items.
 See also:
 New Jersey Resources Corp. »
Provides natural gas for customers in northern and central New Jersey.
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 New Jersey Landscape Contractors Association »
Membership information, events calendar, newsletter archive, classifieds section.
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 Northeast Organic Farming Association of New Jersey »
Includes a calendar of events and information for consumers and growers.
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 New Jersey Technology Council »
Supports and promotes technology businesses within New Jersey.
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 Paintball Depot »
Retail store and one huge speedball field. Locations throughout the state.
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 Windows by Nancy »
Serving all of New Jersey for creative window treatments, pillows, and drapery.
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 Soundtracks Production Services, LLC »
A multi-faceted music production company focused primarily on live sound reinforcement and pro audio equipment rentals.
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 Van Doren Oil Company »
Provides heating oil, gasoline and kerosene delivery, as well as tank repair and installation services for the counties of Somerset and Hunterdon. Contact information provided.
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 A Self Storage »
Locations, security and pricing guides, comparison charts, and packing tips.
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 Jefex Courier »
Courier and same day messenger services for New York and New Jersey, offering delivery rates, restrictions, and contact details.
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 Brothers Management Associates »
Party planning and entertainment agency provides talent roster, background information, and contact details.
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 Golden Tan »
Tanning salon with locations in East Brunswick and Skillman. Includes a list of products, specials, and contact details.
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 New Jersey Small Business Development Center »
Provides free counseling and low-cost training in all aspects of business ownership.
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 South Jersey Gas »
Subsidiary of South Jersey Industries, Inc., providing natural gas utility service to residential, commercial, and industrial customers in Atlantic, Cape May, Cumberland, Salem, and portions of Gloucester, Burlington and Camden counties.
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 Hincks Turkey Farm »
New Jersey Catering firm with four locations in the state.
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 Access Self Storage »
Provides moving and storage guide, contact details, and location information.
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 When refinancing a mortgage, as many as 30% of homeowner's cash out part or all of their home's equity. By investing in home improvements or paying off credit cards, this can be a smart. But, if you are borrowing more than 80% of your home's value, you will be hit with private mortgage insurance, costing you hundreds a year.
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.
You can ask for a copy of your settlement cost papers (the HUD-1 form) one day in advance of your loan closing. This will give you a chance to review the documents and verify the terms.
Be Patient. Processing all of the paperwork that's required for a new loan takes time. Be patient while your loan moves through the system. Protect your credit score by paying your bills and making your mortgage payments on time and not taking on any more new debt than you absolutely have to.
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