| |
Mortgage Refinancing Help
: Society: Issues
: Environment (2,123)
 If you plan on moving out of your existing home within the next few years, it may not be beneficial for you to refinance. Make sure you let your mortgage specialist know your future plans.
 See also:
 Cleaner and Greener Environment Program »
Makes it easy for consumers and businesses to help clean up the environment.
|
 Zerofootprint »
Works to link millions of people from across the globe engaged in sustainable commerce, and helping to inform people, who want to strive toward a more sustainable lifestyle.
|
 Almanac of Policy Issues: Environment »
Links and background information on U.S. and global environmental issues, including issues such as air quality, water quality, global warming, wildlife, and energy conservation.
|
 Pacific Research Institute: Environment »
Resources supporting ways to improve the environment by using property rights, markets, local action, and private initiative.
|
 Dieoff.com »
Links, articles, and information on overpopulation, energy usage, climate change, and other issues.
|
 Linkages »
Online version of Earth Negotiations Bulletin, from the Canada-based International Institute for Sustainable Development. Extensive world news and analysis related to policy negotiations. Sections include forests and deserts, waters and oceans, and climate and atmosphere. With biographies and photos of dozens of expert consultants.
|
 COEJL: Coalition on the Environment and Jewish Life »
Group engages Jewish institutions and individuals in bringing the moral passion of Jewish tradition and social action to environmental stewardship in order to advance social justice, protect future generations, and strengthen the Jewish community.
|
 Newsbatch.com - Environment »
Environment
- A review of environmental issues in the news.
|
 Green Festivals »
Brings together enterprises, environmental groups, leaders, and citizens with the objective of strengthening the locally controlled, green economy and expanding popular support for policies aimed at sustainability and social justice. Information about festivals in Austin, Texas, and San Francisco, California.
|
 World Environment Day »
Every 5th of June is a day used by the United Nations to stimulate worldwide awareness of environmental issues and encourages political action. Includes press material, host cities, and pictures.
|
 Solcomhouse »
A wide range of environmental and other topics presented, contains articles and photographs. Subjects include: Antarctica, electricity, climate change, el nino, coral reefs and the ozone hole.
|
 Green Nature »
Provides interactive environment, nature news, information and photography. Forums, resources and links on many topics.
|
 Horizon Solutions Site »
Database of solutions to environmental, development, population and health issues.
|
 Yahoo! Green »
Information on global warming and living green, including tools to calculate your carbon footprint and to make your own plans to save the planet.
|
 Ecology Hall of Fame »
Introduction to people who have influenced the American environmental movement.
|
|
|
 Use a mortgage broker. A mortgage broker will show you mortgage products from different banks and mortgage providers. Pick a mortgage broker carefully. If the broker works directly for a company that offers financial products, make sure he shows you clearly why one of these products is better. Mortgage brokers also get a commission on their sales. Find out what the broker's services include and if he charges any fees. Many brokers do not charge fees beyond their commission. Also check the broker's credentials.
Once you know the reason for refinancing, you should ask your mortgage specialist whether or not it would be beneficial for you to refinance at this time or whether it may be more beneficial to wait.
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.
These days most people request a Good Faith Estimate (GFE), but have no clue what to look for on the GFE. Make sure you request a GFE that has ALL fees estimated and disclosed. This includes: origination points, processing, lender, appraisal, title, escrow... ALL FEES... especially the Yield Spread Premium or YSP.
|
|
