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Mortgage Refinancing Help
: Science: Social Sciences
: Geography (955)
 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:
 Information Please: Geography Resource »
Geographic facts, lists, and statistics, including highest mountains, longest rivers, latitudes and longitudes, and explorations and expeditions.
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 US Census Bureau Geography »
Mapping products and services, as well as geography resources used to compile the US Census.
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 US State Department - Independent States of the World »
Independent States of the World
- Independent states with diplomatic relations with U.S. and member of UN. Country capitals, and names.
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 Mr. Dowling's Electronic Passport »
An online geography class where students journey through time and space. Discover different people and cultures and further your study by following links.
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 Canadian Council for Geographic Education »
Aims to strengthen geographic education in the classroom, and to increase the public awareness of the importance of geographical literacy.
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 Geosource »
Web resources for human geography, physical geography, planning, geoscience and environmental science. Provided by Utrecht University Library.
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 Infoplease Political and Reference Atlas »
Infoplease Atlas has political maps of each region, country, and state with links to reference information.
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 Geohive »
A collection of tables and graphs providing global and population statistics in general and by country, including area, capitals, main cities and administrative levels.
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 The START Natural Language Question Answering System »
A system designed to answer questions that are posed in natural language. The system is especially equipped to answer geography queries.
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 Administrative Divisions of Countries ("Statoids") »
Worldwide reference for states, provinces, governorates, counties, districts, and other subdivisions of countries.
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 World Island Info »
Information on the world's islands, including island superlatives.
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 Geo-Guide »
A subject gateway to scholarly information in earth science, geography and mining. From the Goettingen State and University Library.
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 Cyber-Geography Research »
An initiative (updated 1997-2004) to map cyberspace, this site contains a variety of pages dedicated to helping the viewing not only understand "cyber geography" but to visualize it as well.
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 Your Own Language and Country »
Information and links about all countries: tourism, dictionaries, search engines, life and religion.
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 European Spatial Planning Resource and Information Database (ESPRID) »
The database focuses on the spatial dimensions of territorial development processes and the spatial impacts of EU, national, regional and local policies across the European continent.
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 NationbyNation: Reference on Countries of the Globe »
History, geography, maps, economics, society as well as links and news feeds.
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 Environmental Geography - Dr. James Hayes Bohanan »
Dr. James Hayes Bohanan
- Geography of the environment, and the use of the web in higher education.
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 History of the International Date Line »
Extensive information on the circumnavigator's paradox and the history of its resolution.
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 Mega Maps - Walk through the Continents »
Walk through the Continents
- Free PC program to print out US or world maps of various sizes, up to 7 feet across, on an ordinary printer. Requires Windows 3.1, 95 or 98.
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 The Geography Exchange »
A combination of teaching resources, lessons and indexes of website links with an emphasis on physical geography.
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 Geographical »
A site that explores the world. The online resource on travel for schools, professionals and enthusiasts alike.
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 GIS and Mapping Links »
Links to Geography, Geographic Information Systems (GIS) and Mapping sites on the internet. All links are verified every month.
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 The Degree Confluence Project »
The Degree Confluence Project contains photographs of the intersections of integer latitude and longitude degree lines.
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 US State Department - Dependencies and Areas of Special Sovereignty »
Dependencies and Areas of Special Sovereignty
- Listing of nations recognized by the US government.
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 Geography Resource Center »
Internet Resources for Geographers
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 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 Realistic. Lenders have tightened up loan requirements, so you'll need a good credit score and at least some equity in your home to refinance. To figure out how much equity you have, subtract the total amount that you owe on all of your existing mortgages from how much you think your home is worth. If your credit is severely impaired or you owe more than the value of your home, you probably won't be able to refinance right now.
Ask the lender or broker for a comparison of the up-front costs, principal, rate, and payments with and without this rate trade-off.
Pull your credit report from the bureaus and review it for any negative items (late pays, collections etc) and inaccurate detail. Try to dispute negative items and remove them from the report. If required pay off any unpaid debt. Otherwise, you won't get a low rate and may not even qualify. Of course there are lenders in the subprime market who may offer you a bad credit refinance loan, but it's better to avoid them as they'll possible charge higher rates and fees.
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