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Mortgage Refinancing Help
: Regional: North America: United States: Wisconsin: Business and Economy
: Financial Services (20)
 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:
 Anderson, Hager & Moe »
Located in Hayward, Spooner, and Rice Lake. Certified public Accountants. Service information, links, and finance tools.
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 Meicher & Associates, LLP »
Certified public accountants and consultants. Firm profile, services offered, newsletter and financial tools. Offices in Madison and Waunaukee.
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 CoVantage Credit Union »
Membership information, loan applications, specials, and location details. Antigo, Crandon, and Shawano.
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 Community First Credit Union »
Includes online banking, descriptions of products and services, location details and hours. Locations in Appleton, Neenah, Oshkosh, Manitowoc, and Waupaca.
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 Heartland Credit Union »
A financial cooperative serving Dane, Grant, Iowa and Lafayette counties. Description of services, interest rates.
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 River Bank »
Service listing, contact information and general information. Locations in Desoto, Holmen, Ferryville, La Crosse, Sparta, and Stoddard.
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 Summit Credit Union »
Formerly State Capitol Credit Union. Locations in Madison, Baraboo, Lake Mills, Watertown, Sun Prairie, and Beaver Dam.
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 Co-op Credit Union »
Serves members in Black River Falls, Melrose and Galesville. Description of products and services, rates, and hours of operation.
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 Wegner LLP - CPAs and Consultants »
CPAs and Consultants
- Description of services and industries served. Offices in Madison and Baraboo.
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 Tennies, Rose & Company Certified Public Accountants, S.C. »
Full service small business accounting firm. Payroll check writing service, Peachtree and Quickbooks software support, corporate and individual tax planning, financial consulting. Offices in Richfield and West Bend.
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 Schenck SC »
Certified public accountants and consultants. Includes a list of services, information about industries served, publications, and a company profile.
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 Harbor Credit Union »
Includes products and services, mortgage and lending information, hours, and contact details. Locations in Green Bay, Ashwaubenon, Algoma, and Luxemburg.
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 Pioneer Credit Union »
Description of services, hours and locations, and employment opportunities. Green Bay, Sturgeon Bay and Shawano.
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 Wisconsin Credit Union League »
Discusses benefits of credit unions, links to credit unions, credit union ATM finder, variety of financial planning calculators, jobs.
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 Bull's Eye Credit Union »
Offering traditional banking services and the Moola Kids Club. Locations in Wisconsin Rapids and Plover.
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 A-B Credit Union »
Provides news, location information and hours, products, and employment opportunities. Locations in Milwaukee and Mequon.
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 Mortgage can last a lifetime and that extra 1% can add up to literally thousands of dollars over the years. I have friends that are in their 70s and still paying off their home loans. It'll pay off in the long run to make sure you find the best deal possible. Don't let poor credit stop you from refinancing your home.
Use a mortgage broker. A mortgage broker will show you mortgage products from different banks and mortgage providers. Pick a mortgage broker carefully. If the broker works directly for a company that offers financial products, make sure he shows you clearly why one of these products is better. Mortgage brokers also get a commission on their sales. Find out what the broker's services include and if he charges any fees. Many brokers do not charge fees beyond their commission. Also check the broker's credentials.
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.
When refinancing, don't take the first offer that comes around. Instead you should actively compare both interest rates and lenders.
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