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Mortgage Refinancing Help
: Science: Environment: Energy: Petroleum in the Environment: Underground Storage Tanks
: Products and Services (10)
 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.
 See also:
 Frontier Sales »
site for promoting products for petroleum storage and handling, and related products for water and sewer handling.
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 Veeder-Root Company »
Supplier of automatic tank gauging and fuel management systems and related services, including monitoring systems for underground storage tanks.
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 Snake River Electronics »
Offers monitoring systems including marine electronics, water, waste and diesel fuel monitoring. Composite and metal holding tank monitoring.
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 National Tank Service »
Cleaning and removal of petroleum storage tanks. Excess product handling, waste disposal.
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 ATS Environmental »
Underground oil and gas tank inspections, sampling, leak detection, and geoprobe services in the northeastern United States.
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 Estabrooks EZY CHEK Systems »
Describes and offers tank testing and line testing equipment for underground storage tanks.
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 Alternative Tank Cleaning Solutions Inc. »
Offers the cleaning of crude and other heavy oil tanks, and sludge disposal, using solvent extraction.
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 RDO Environmental Services »
Company in Sparks, Nevada, offers waste petroleum recycling, emergency spill response, underground tank removal and abandonment, and cleaning of above- and below-ground tanks.
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 Physical Acoustics Corporation »
Designs and manufactures, under ISO-9001 quality standards, complete Acoustic Emission Sensors and Instruments product line, as well as complimentary other nondestructive products and services.
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 Granby Tanks »
Manufacturer describes cathodic tank technology and offers above-ground and underground oil tanks for residential applications, with dealers located in the US and Canada.
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 When lenders offer a "no-cost" loan, they may include a prepayment penalty to discourage you from refinancing within the first few years of the loan. Ask the lender offering a no-cost loan to explain all the fees and penalties before you agree to these terms.
Give yourself plenty of time to close. With most refinancings, your file is turned over to a closing or title company, which dictates the closing details. Like the lenders themselves, these firms are swamped when interest rates are low. Moreover, appraisers get backed up and can be difficult to schedule. So don't expect the closing to happen as quickly as anyone promises.
The majority of your mortgage payment goes toward paying interest. To save an astounding amount of money over the long term, choose a mortgage loan with a lower rate and a shorter payback term. A 15-year mortgage may be just what the financial planner ordered. This type of loan carries a larger monthly payment; but if your budget can withstand the jolt, you can save big bucks over the long haul.
Refinancing is not the only way to decrease the term of your mortgage. By paying a little extra on principal each month, you will pay off the loan sooner and reduce the term of your loan. For example, adding $50 each month to your principal payment on the 30-year loan above reduces the term by 3 years and saves you more than $27,000 in interest costs.
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