| |
Mortgage Refinancing Help
: Science: Technology: Metrology: Products and Services
: Testing Services (28)
 Weigh the costs carefully of how long you will be staying in your home vs. how much of a savings you will be getting in a refinance. Make sure you include closing costs in your decision.
 See also:
 C&P Catalyst, Inc. »
Coils and coupons prepared, cleaned, polished and sealed in an inert atmosphere for ASTM testing. In business since 1966 at Tulsa, OK.
|
 IMR Test Labs »
Offers materials analysis, product testing, reverse engineering, failure analysis, lab management and other testing services.
|
 Microbac Laboratories, Inc. »
Operates a network of laboratories capable of providing contract research, biological and chemical analyses on food, pharmaceuticals, and environmental samples, throughout the USA, from headquarters in Wexford, Pennsylvania.
|
 Applied Consumer Services, Inc. »
Offers formulation, deformulation, failure analysis and testing of consumer products, water and air. Includes range of technical consulting, non-medical forensic testing and expert testimony from Hialeah Gardens, FL.
|
 Microns to Measure »
Particle size analysis service for water, sediments and all types of industrial materials. Based in Victoria, Australia.
|
 EcoSafe Natural Products Inc. »
Company specializing in natural pesticides, fertilizers, personal care and research and development of analyses for other industries. Contacts for office in Blaine, WA and Saanichton, Canada.
|
 Reliable Analysis, Inc. »
Mechanical, molding, failure analysis, life cycle, cyclic corrosion, deployment and automotive testing in Troy, MI.
|
 Absolute Geometries »
Offers 3D scanning services for reverse engineering and computer aided inspection.
|
 Delft Solids Solutions BV. »
Offering measurement of porosity by adsorption isotherms of inert gases (physisorption) and reactive gases (chemisorption) or mercury porosimetry and helium pycnometry. Sample submission to Delft, The Netherlands.
|
 Kidao Laboratories »
Offer chemical, mechanical non-destructive testing of rubber, plastics, paints and grease. Metallography includes welders qualification procedures, corrosion and failure analysis at Chennai, India.
|
 Perfect Test House »
Offers vibration analysis, non destructive testing, condition monitoring, balancing, thickness survey, flow measurement, thermography, ultrasonic testing and energy audit. Based in Rampur (U.P), India.
|
 Industrial Testing Laboratories Inc. »
Offers instrumental, wastewater, chemical pharmaceutical analysis, mechanical testing, failure investigation, metallurgical testing, litigation support, problem solving, deformulation, non-destructive testing, material identification from Maryland Heights, MO.
|
 H&M Analytical Services, Inc. »
Offers X-ray diffraction services and electron microscopy studies, with expert witness and litigation support from Allentown, NJ.
|
 Process NMR Associates »
Solid and liquids analysis by NMR and chemometric applications in the refining, petrochemical and food industries. Provides explanation of techniques and facilities at Danbury, CT.
|
 MicroMaterials Research »
Specialist in microanalysis for developing new products using scanning electron microscopy, light microscopy, infrared and x-ray at Burr Ridge, IL.
|
 Adirondack Environmental Services, Inc. »
Offers industrial hygiene, product and material testing in Latham, headquartered in Albany, New York.
|
 SGS SA. »
A global company offering verification, testing, and certification in the areas of agriculture, minerals, petroleum, and consumer products. More than 1000 offices worldwide with headquarters in Geneva, Switzerland.
|
 Cooper Industries, Inc. »
Services in research, development and offering chromatography, spectroscopy, dielectric and materials compatibility, elemental, mechanical, paints/coatings testing, SEM imaging, metallurgy and metallography, thermal analysis and environmental testing by components manufacturer in Milwaukee, Wisconsin.
|
 PhotoMetrics, Inc. »
Offers chemical analysis and materials characterization primarily for manufacturing and litigation. Instrumentation includes X-ray, Auger and FTIR spectroscopies, and imaging with SEM and AFM at Huntington Beach, CA.
|
 The QC Group »
Provides 3D scanning, reverse engineering, dimensional inspection, quality-related training and staffing services.
|
 Evans Analytical Group »
Laboratories for characterization of engineering materials, identifying contamination, surface and failure analysis. Also, offers consulting research in materials characterization and develops contaminant databases.
|
 Anachem Laboratories »
Specializing in materials degradation for metals, polymers, and coatings, offering physical and chemical analysis since 1948 from El Segundo, California.
|
 NH Materials Laboratory, Inc. »
Offers EDS, FTIR, ICP Spectroscopy, GC-MS and thermal analysis services for identification of metals, plastics and contaminants in Somersworth, NH.
|
 Impact Analytical »
Offer molecular characterization, using instruments including FT-IR, MALDI-TOF for peptide analysis, CE for DNA sequencing, chromatography, microscopy and thermal analysis. Research with Michigan Molecular Institute at Midland, MI.
|
 Arista Laboratories Europe »
Accredited tobacco testing laboratory offering mainstream and sidestream smoke testing methods from London offices.
|
 CSZ Sub-Zero Testing Laboratory »
Environmental testing laboratory providing vibration, reliability, corrosion, shock and temperature testing.
|
 Advanced Measurement Labs., Inc. »
Reverse engineering using dimensional digitizing in 2D and 3D, with custom scanning available from Sun Valley, California.
|
 Corrosion Testing Laboratories, Inc. »
Offers testing services using infrared spectroscopy, elemental analysis, ion exchange chromatography and scanning electron microscopy. Includes overview of applications, equipment, prices and contacts in Newark, Delaware.
|
|
|
 Don't rely on published rates. "No one's going to advertise their worst product," says Keith T. Gumbinger of HSH Associates, a Butler, NJ, firm that tracks mortgage rates. "They advertise the best possible rate, which probably gets offered to only the top 10 percent of applicants."
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.
It's better to follow the 2% Rule which suggests that you can enjoy the benefits of a home refinance if your mortgage refinance rate is 2% lower than that on your current loan. The interest savings will help you recoup the costs you've paid for the new loan provided you stay in the property for a certain period of time (break-even period). However, there are no-cost as well as low-cost refinance loans wherein the costs are included into the loan. But you can expect comparatively higher rates on such loans. Moreover, these loans are limited when the market is in a credit crunch.
Resist "no cost" refinancing. No cost doesn't mean free. On the contrary: The closing costs are usually bundled into the new mortgage, which means you pay interest on them. The fees associated with a 30-year mortgage could cost you more than double what they would have had you simply written a check for them at closing. Or, if the costs aren't bundled in, you'll be charged a slightly higher interest rate. Either way, the lender wins.
|
|
