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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: Washington: Localities: S: Spokane: Business and Economy
: Financial Services (39)
 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.
 See also:
 Pacwest Services, Inc. »
Washington lender offers full-service mortgage services.
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 The Standard Group »
Provides consultation in the areas of finance, marketing, media relations, commodity distribution, information procurement, international relations, sports marketing, and a wide variety of topical issues.
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 Platinum Lending Ltd. »
Offering lending products and services to Seattle, Spokane and the Northern Idaho area. Includes a rate watcher program
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 Chapman Financial Services, Inc. »
Providing collection services, specializing in healthcare collections.
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 Phenneger Morgan & Associates, Inc. »
Design, implementation, and administration of Employee Stock Ownership Plans. Merged with Randall and Hurley, Inc.
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 National Contract Buyers, Inc. »
Spokane-based buyer of notes, mortgages, contracts and lottery winnings offering real-time online quotes and cash for referrals.
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 National Association of Credit Management Inland Northwest »
Business credit reports and industry credit groups.
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 CLS Mortgage Services »
Independent mortgage company offers a full line of mortgage programs.
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 Prime One Mortgage »
Mortgage loans, FHA and VA loans, all credit backgrounds, and construction loans.
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 Fast Charge Payment Gateway »
Providing ecommerce services to merchants in Eastern Washington.
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 200Lenders.com »
Part of SMC Mortgage, they offer refinancing, second mortgages, home equity lines of credit, purchase loans, construction, reverse mortgages, and home improvement loans.
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 A&B Mortgage, Inc. »
They specialize in all areas of mortgage lending up to 125% LTV.
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 Spokane County Title Company »
Part of The Schreiner Group of Title Companies, with four offices in Spokane.
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 Northwest Farmer-Stockman Financial Services »
They provide and administer a broad spectrum of high quality health insurance and financial services.
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 If your property value reduces and you refinance up to 80% of the reappraised value, your original mortgage amount may be higher than this amount. Thus, the new loan will not be sufficient enough to help you pay down the existing one.
The length of time that you expect to keep the mortgage helps you determine whether it is worthwhile to pay points up front to reduce your interest rate. Unlike points paid on your original mortgage, points paid to refinance may not be fully deductible on your income taxes in the year they are paid.
Be Proactive. Your loan representative should keep in contact with you even if there isn't any action on your loan. But do your part to keep the lines of communication open as well. If you don't hear from your loan representative for a few days, pick up the phone and ask for an update. The old adage that the squeaky wheel gets the grease definitely applies in this situation.
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.)
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