loan rates,home l Article Body: Practically everyone has refinanced or thought about it at one point in time. We've seen the dozens of commercials that urge us to do it. With rates at record lows over the past few years, refinancing has helped many borrowers lower their monthly payments. Refinancing your mortgage can be a very hard and confusing experience. When you're making your decision, there are several things to keep in mind. First, even a small rate cut can pay off quickly. Second, if you are planning to stay in your home for at least three to five years, it may make sense to pay "points" (a point equals 1% of the loan amount) and closing costs to get the lowest available rate. And third, you can avoid a cash layout and still get a low rate by adding the fees and closing costs to your new mortgage. This does not mean shouldering a lot of extra debt. If you've had your current mortgage for at least three years, you've probably reduced your balance by several thousand dollars. So you may be able to tack your closing costs onto your new loan, lock in at a lower rate and still end up with a mortgage amount that's less than your original one. More importantly, a lower monthly payment. Another factor to consider is how long you expect to stay in your home? If your planning to move in the next few years, the monthly savings may never add up to the costs that are involved in refinancing. You may have bought your home with a finance company mortgage, or took out a second mortgage to pay for central heating or furniture. Your payments are probably very high because some finance companies charge interest rates of up to 50 per cent. It is advisable that you look carefully at the small print to find the true rateùmost mortgage refinancing loans are over a fairly short term, about 15 years at most. HOMEOWNERS Please get the very BEST financing rates available today Title: Refinancing Your Mortgage After Bankruptcy Word Count: 477 Summary: It is a general conception that getting a refinance loan after filing a bankruptcy is quite difficult. But you can avail a home loan provided you pay the interest at a slightly higher rate. Generally, lenders do not prefer taking the risk of offering mortgages to someone who has filed bankruptcy. But there are the subprime lenders who can offer you loans at higher interest rates, sometimes even after six months of finalizing your bankruptcy. Keywords: mortgage, refinance, bankruptcy, chapter 7 bankruptcy, chapter 13 bankruptcy, annual
piece
is
an
abstract
triptych
that
I
found
while
I
was
in
Atlanta
buying
religious
paintings
The
piece
was
called
Guardian
Angel
and
I
love
it
My
patrons
fell
in
love
with
it
as
well
They
have
asked
me
to
track
down
the
artist
and
see
if
he
has
anymore
religious
paintings
available
The
only
religious
paintings
that
I
actually
do
not
buy
are
ones
that
reflect
the
image
of
Jesus
on
the
cross
I
don’t
have
a
problem
with
them
some
of
them
are
extremely
well
done
and
would
more
than
likely
sell
well
but
my
investors
made
it
very
clear
when
they
financed
the
gallery
that
I
would
not
put
that
image
into
it
PPPPP
683
Ajello
Candles
The
motto
of
the
Ajello
Candle
Company
is
“It’s
better
to
light
a
candle
than
to
curse
the
darkness”
This
candle
making
company
has
been
in
business
since
1775
The
business
has
been
family
owned
for
seven
generations
The
candles
from
Ajello’s
are
well
known
for
their
beauty
and
quality
While
they
make
more
candles
now
than
in
1775
their
dedication
to
quality
and
to
customers
has
never
changed
The
Ajello
Candle
Company
was
founded
by
Rafael
Ajello
an
Italian
painter
He
was
also
a
beekeeper
so
he
tried
his
hand
at
using
bees
wax
to
create
candles
He
worked
hard
to
create
a
formula
that
worked
well
The
formula
combined
with
his
outstanding
artistic
ability
lead
to
the
birth
of
the
Ajello
Candle
Company
In
1785
the
company
earned
the
honor
of
creating
all
the
candles
for
the
Vatican
He
and
his
wife
ran
the
business
keeping
their
children
involved
in
the
processes
from
an
early
age
As
time
went
on
their
children
and
grandchildren
kept
the
business
running
as
well
as
passed
the
family
business
on
to
their
children
By
1862
the
company
had
established
itself
as
a
leader
among
the
candle
making
industry
They
had
also
added
perfumes
and
many
.
Share this
SUBSCRIBE OUR NEWSLETTER
SUBSCRIBE OUR NEWSLETTER
Join us for free and get valuable content delivered right through your inbox.
Related Post
