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Mortgage Refinancing Help
: Science: Earth Sciences
: Geology (903)
 If you are paying private insurance on your current mortgage, refinancing may allow you to do away with this unnecessary expense.
 Allexperts Geology »
Geologists answer submitted questions about geology.
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 Earth Science World »
American Geological Institute resources for teachers and students. Includes searchable database of earth images, geologic time scale, and interactive features.
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 Geoscapes Photography »
Geologic and natural history landscape photography of the western United States and Pacific islands.
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 Walter Geology Library »
Listing of virtual and on-line geologic field trip guidebooks.
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 Geography Site: Physical Geography »
Illustrated descriptions and explanations of earthquakes, plate tectonics, glaciers and glacial landforms, and volcanoes and volcanic deposits, intended for students up to age 16, but suitable for a wider audience.
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 Geological Society »
General geology portal site, including links, products, and a discussion forum for professionals and students.
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 Planet Earth: An Introduction to Earth Sciences »
Online text by Roger N. Anderson of Columbia University. Covers origins of the earth and life, plate tectonics, and formation and deformation of continents.
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 GeoSmitty's Geology and Outdoor Pages »
Information about geology, geocaching and other outdoor adventures.
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 Evolving Earth Foundation »
Earth science and natural science resources, articles and online education.
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 Strata: William Smith on the Web »
Publications of the father of modern geology, who first drew a chart of the strata under the surface of the earth. Printable version of Smith's famous geologic map of England.
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 Pangaea »
An information system aimed at archiving, publishing and distributing data from global change research with special emphasis on geological, marine and environmental sciences.
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 Ask for the reissue rate on your title work. If you've taken a mortgage within the past two years, or are using the same lender, you might be granted this option, which can save you as much as 70 percent on your title work. An editor at this magazine didn't know about this potential savings when he refinanced his mortgage; fortunately his lawyer did. The savings more than covered the attorney's fees. However, if it's been several years since you took out a home loan, or if you're using a new lender, you'll likely have to pay for a new title.
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 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.
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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