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Mortgage Refinancing Help
: Society: Law: Services: Expert Witnesses: Financial: Appraisal and Valuation
: Personal Property (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.
 O'Toole-Ewald Art Associates »
Specializing in fine and decorative art appraisal and valuation. Located in New York City.
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 Roslyn Bakst Goldman »
Certified fine art appraiser and consultant, based in Rochester, New York.
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 Auto Appraisal Group, Inc. »
Nationwide network of appraisers, based in Virginia, providing current value appraisal of exotic, classic, vintage, sport and luxury automobiles.
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 Gillett & Caudana »
Appraisers specializing in antiques, decorative arts and residential contents. Located in Laguna Beach, California.
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 Fine Arts Appraiser »
USPAP appraisals of fine art for home, corporate, insurers and major collectors. Nationwide service.
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 R. J. Whitfield & Associates, Inc. »
California firm, providing valuation and property loss services for boats and yachts.
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 Bartlett & Picarella »
Appraisals of art, antiques, personal property, business furniture, fixtures and equipment. Located in Bronxville, New York.
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 Patrick B. King Associates »
Appraisers specializing in diminished value or loss in value of antiques, textiles and fine art.
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 Heritage Inventory and Appraisal »
Inventories and appraisals of residential contents, fine art, and wine. Located in Englewood, Colorado.
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 Specialty Appraisals »
Appraisers of antiques, fine art, jewelry and household contents.Serving Southern California.
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 Don't fall for the 0% apr unless it fits in with your master plan. A lot of brokers will try to get you locked into a low interest rate that will balloon on you in a couple of years and leave you out on the street.
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.
Before you refinance a loan, make sure that you carefully analyze any fees that your lender is including on the loan. The Department of Housing and Urban Development can provide you with a list of standard fees. Use it to make sure that your lender isn't tacking on anything extravagant. And by all means, compare their fees with other lenders in the market.
If your monthly payment on a fixed-rate loan includes escrow amounts for taxes and insurance, your payment each month could change over time due to changes in property taxes, insurance, or community association fees.
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