Mortgage Refinansing Help

Mortgage Refinancing Help: Labor Movement

“Close inactive credit card accounts to improve your credit score, making you eligible for lower interest rate loans. You will need to notify the credit card companies in writing that you wish the accounts closed on your request. Next, check your credit report after 30 days to be sure closed accounts include the comment "Closed at Customer's Request." You want future lenders to know it was your request and not bad credit that closed your accounts. Also, take the time to check for any mistakes in your credit report that could negatively impact your credit score. ”

Mortgage Refinancing Help : Society: Work : Labor Movement (175)

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.

Unions (51)

Mortgage Refinancing Help: Labor Movement ()

See also:

Business: Human Resources (834)
Society: Issues: Labor (96)
Society: Politics: Anarchism: Anarcho-Syndicalism (16)
Society: Politics: Socialism (313)

Retail-Workers Forum »
An online community for retail workers. Providing news, information, and support for retail workers who are attempting to better their workplace.

NurseActive »
Dedicated to trade unionism, social justice and political action in the nursing sector.

A. Philip Randolph Institute »
AFL-CIO-affiliated organization of black trade unionists, working to build black community support for the movement. Biographies and history, products and services, conference information, and news provided.

Canadian Association of Labour Media »
CALM provides labour news and graphics service for Canadian union editors.

DavesDirtyRatBastardsHuntingClub »
Email group advocating workers' rights.

Asian Pacific American Labor Alliance »
APALA, AFL-CIO

Competitive Edge Training Services »
An organization of professional trainers, mentors and successful labor leaders who have many years of experience to offer labor leaders aspiring to careers in union administration.

Labor Council for Latin American Advancement »
An organization designed to bring together all the Latin American men and women union members in the United States.

UnionWare »
Company offering software support to the labor movement.

Union-Yes.cc Web Hosting »
Web site hosting services for unions, nonprofit organizations and businesses. Free 'say union yes' email address available for union members.

National Jobs for All Coalition »
Building a new movement for full employment at livable wages.

BROWNson's nursing notes »
Includes directories to unions and advocacy groups related to nursing.

Farmworker Justice »
Information on public policy and legal issues regarding migrant and seasonal farm workers, including labor law, immigration, occupational safety and health, women's issues and access to justice.

The Coalition of Immokalee Workers »
A community-based worker organization. Its members are largely Hispanic, Haitian, and Mayan Indian immigrants working in low-wage jobs throughout the Southwest Florida region.

Duke Energy Employee Advocate »
Employees fighting cash balance retirement pension plan injustice through EEOC age discrimination charges, and lobbying Congress.

The Two Per Cent Solution: A Workable Approach to Employee Ownership and Control »
Presents a gradualist approach toward majority ownership by employees of the stock of the companies they work for.

National Labor Committee »
Human rights advocacy group focusing on the promotion and defense of workers' rights and on ending labor abuses.

Maquila Solidarity Network »
Activists organizing "Maquiladora" factories to improve conditions, win a living wage, and campaign against multi-national corporate abuse.

War of the Classes: The Scab »
Transcript of a speech American socialist and author Jack London gave on the topic of strikebreaking to the Oakland Socialist Party in 1903.

Committee for a Workers' International »
Building an international workers' movement for socialism in over 35 countries.

If you have a mortgage, you should keep an eye on rates-especially if you have an adjustable rate mortgage. Getting locked in at a lower, fixed rate can save you hundreds, possibly even thousands, of dollars over the life of your loan.

Be Proactive. Your loan representative should keep in contact with you even if there isn't any action on your loan. But do your part to keep the lines of communication open as well. If you don't hear from your loan representative for a few days, pick up the phone and ask for an update. The old adage that the squeaky wheel gets the grease definitely applies in this situation.

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.

Many companies in this industry will do what ever they can to get away with charging you as much as they possibly can. Some of the ways they do this is not disclosing all the third party fees involved in a loan such as title insurance, appraisals, pre-paid tax and insurance escrows etc. It is important that you ask the loan officer you're speaking with about third party fees. If you don't they may not tell you and give you a good faith estimate that sounds fair, but at closing you'll find out that you have to pay a couple of thousand dollars more in fees you were unaware of. A good loan officer at a reputable company should have no problem disclosing all fees that pertain to your loan and should also make sure you understand what the fees are for.