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Mortgage Refinancing Help
: Shopping: Niche
: Green Living (102)
 If you are able to get a lower rate that what you currently have, you can save tens of thousands of dollars over the life of your loan. Also, most lenders don't charge as many fees to refinance a mortgage and depending on how much equity you have in your home you may be able to roll the closing costs into your new loan, still have a lower balance than your original loan, a lower rate, and a lower payment.
 See also:
 Natural Good Life »
Household, health, outdoor, and food products.
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 Lifekind »
All organic, recycled and chemical free consumer products, including water and air cleaning, mattresses and linens, clothes, baby products, cleaning products, gifts, garden and pest control supplies, laundry products, and personal care products.
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 Real Goods »
Energy efficient, non-toxic and environmental products for sustainable living as well as organic apparel and educational solar gifts.
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 EcoSandals.com »
Non-profit business selling used-tire akala sandals from Nairobi.
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 EcoChoices »
Earth-friendly products for bedroom, bathroom, kitchen and patio.
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 Green Earth Market »
Natural and organic baby, toddler, and home products.
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 Conserv-A-Store »
Energy and resource-saving products, including electrical, solar, plumbing, and a large number of other eco-friendly items.
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 The Green Store »
Environmentally safe and organic products including stationery, games, clothing, beauty products, and home accessories.
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 Earth Friendly Finds »
Recycled and restored glassware and home accessories. Also offers all natural bath products.
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 Bears In The Woods Products »
Products for natural living such as juicers, air and water purifiers, grain mills, and nature-themed products like Tiffany style lamps.
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 Eco-Products »
Offers environmentally friendly, non-toxic, and sustainable products including building materials, flooring, adhesives, paints and finishes, office supplies, packaging, lighting, industrial supplies, and lawn and garden products.
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 Abundant Earth »
Natural, organic, recycled and environmentally friendly products, including beds and bedding, candles, children's products, cards and journals, cleaning supplies, coffee and tea, home furnishings, jewelry, and personal care.
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 GreenChoices »
Green alternatives available in Britain, including green homes, offices, holidays, electricity, gardening, jobs, gadgets, courses and cars.
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 F.W. Horch Sustainable Goods and Supplies »
A purveyor of products and advice for creating environmentally sustainable places to live, work and play.
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 Sustainable Community Development, L.L.C »
Probiotic products for human health, personal care, home and garden, and waste and septic treatment.
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 The Natural Collection »
A large selection of environmentally friendly gifts and household items. Located in the UK.
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 Wood Creek Farm »
Offers a range of natural organic products such as herb, plants, and vegetables.
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 Totally Bamboo »
Products made from bamboo include director's chairs, kitchen carts, countertops and backsplashes, kitchen and tableware.
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 The Healthy House »
Products for those suffering from environmentally caused conditions. Air, books, natural bedding, dust mite proof products, electrical and radiation, gloves for eczema, laundry balls, light therapy, paint and varnishes, vacuum and steam cleaners, and water.
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 Green Come True »
Photocatalyst coating spray and flowers. Also offers coating services.
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 Eco-Chic Purses »
Purses created from recycled fabrics.
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 Healthy Homes of Rochester »
Providing information, services, technology, and products to make your home more energy efficient, cost effective and healthy.
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 Weisenbach Recycled Products »
Products manufactured from recycled materials.
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 Eco-Artware.com »
Wearable art and home furnishings created from trash, discards and natural materials. Also suggests gifts for weddings and corporate promotions.
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 Crane Creek Gardens »
Natural potpourris, sachets, perfumes, Simmer SACs, soy candles, and Fresh Cab (a natural mouse repellent).
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 Vivavi »
Shop carrying clothes, furniture, and home accents that are eco-friendly. Online catalog and shipping information.
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 Green Loop »
Sustainable clothing for women, men, and children. Also offers organic body care products.
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 Sea Glass Organic »
Eco-friendly gifts and goods, including bamboo towels, bags and totes, candles, clothing, jewelry, water bottles, and rope sandals.
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 Mokugift Environmental Gifts »
Online gifts that benefit the environment. For every eTrees sent, mokugift plants a tree in the real world.
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 Vulcana Inc. »
Offers products from recycled car tires. Products include bags, wallets, purses and satchels.
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 Tomorrow's World »
Natural fiber clothing, underwear, socks, bed and bath, home decor, air and water purification.
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 Eco-Natural »
Aromatherapy essential oils, and cruelty-free body care products. Organically harvested and processed grey sea salt, and certified organic first cold-pressed oils.
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 21Design »
Drawing files that can be integrated directly into building plans include strawbale house plans, mechanical and plumbing details, solar water heater and cooker designs, as well as some free energy-related downloads.
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 Energy Federation Incorporated »
Residential distributors of energy efficiency-related products in the United States.
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 Ecozone »
Handmade soaps, laundry ball, bodycare, new age music, books, natural cosmetics, gifts, vitamins, herbs, and minerals.
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 Our Green House »
Natural and organic home, baby, and pet products as well as environmental test kits and building supplies.
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 GreenSense General Store »
Handmade crafts, earth-friendly eco-gifts, and other "green" products and services.
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 1Earth 1Design »
Natural, non-toxic products including linens, art, accessories, hemp products, and flooring. Also provides information about the retail store and interior design services in Seattle, Washington.
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 Recycle Store »
On-line marketing collaborative of Rural California Recycled Content Product (RCP) Manufacturers. Gifts, home and garden, sports and leisure products.
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 A Happy Planet »
Organic cotton and organically grown wool mattresses, rubber latex mattresses
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 Sweet Organics and Naturals »
Gifts that protect the planet and nourish the spirit. Wildflower seed & recycled greeting cards, hemp wrapping paper, homeopathy, aroma therapy, candles, handmade journals, books & more.
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 Simply Natural »
Organic, recycled, and biodegradable books, clothing, bath items, and alternative health products.
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 Close the Loop, LLC »
Supplier of recycled products including rubber mulch and pavers for playground and equestrian use. Includes fencing, and landscaping products.
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 Green Home »
Environmentally safe products for the home, including energy saving products, organics cotton and non-toxic cleaning products. Information on common household hazards and a healthy home.
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 Natural Spaces »
Home and garden decor and accessories made from recycled and natural materials. Includes wedding registry.
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 Planet Squared »
Sells furniture, art and music produced and packaged from non-toxic, recycled materials.
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 GreenEcoSavers »
Energy and water conservation products for the home.
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 American Environmental Health Foundation »
AEHF is a nonprofit organization founded to provide research and education into Chemical Sensitivity. Sponsors educational and research information, as well as carrying over 1,500 environmentally safe products.
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 My Pumpkin Doodle »
Organic and bamboo baby, apparel, and home products.
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 Resource Revival »
Offers items made from discarded materials, mostly bicycle parts. Candlesticks, furniture, picture frames and jewelry.
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 Arbour Environmental Shoppe »
Functional, affordable, unique products that respect the planet.
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 Nirvana Safe Haven »
Organic cotton or wool bedding, futons and mattresses. Air purifiers, ceramic radiant heaters.
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 VP Specialty Products, Inc »
Offering nontoxic, biodegradable, and non-abrasive cleaning products, as well as a pain-relieving spray for joint pain.
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 Mamaelle »
Products include handmade natural body care products, organic cotton clothing and washable cloth menstrual pads.
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 Kokopelli's Green Market »
All-natural soap, personal care and hygiene products, and gifts.
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 GoodHumans »
Eco-friendly goods including household items, bags, clothing, stationery and products for pets.
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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.
Get your interest rate and closing costs in writing as soon as you decide on a lender to work with. Get your lender to give you a commitment in advance of all of the costs that will be involved with your loan. Find out if the refinance loan you are getting has a pre-payment penalty as well. Sometimes lenders will leave out important information like this, if they think it might scare you away from refinancing with them.
When evaluating different lender offers, in the mortgage loan pre-approval process, pay closest attention to the interest rates they are offering & the closing costs. These are the two biggest factors that will help you figure out which lender is right for you. If one of these two factors is too high, it could offset the benefit of refinancing for you.
Know your credit score before you begin looking for a loan. If you can, try to remove any blemishes from your credit report before applying for a refinance.
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