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A Chance for a Home
"He is happiest, be he king or peasant, who finds peace in his home." - Johann von Goethe Home. Family. Backyard cookouts. A table laden with more than we can eat on Thanksgiving day. These things ground us, offer us stability, and give us an...
No Paws from Santa Claus
The Holidays are coming and children have thought long and hard about the gifts they would most want to receive this year. Trucks, trains, Groovey girls and scooters are popular gifts this year. Each year lists are filled with the “most...
Scary Halloween Crafts
Looking for some great Halloween crafts for your Halloween party, haunted house, or just for trick-or-treaters?
A fun craft is something that can keep you occupied for hours on end especially if you enjoy it. Here are some ideas that will...
Successful Holiday Gift Giving Starts with a Plan
It’s beginning to look a lot like Christmas and the clock is ticking down as we grow closer to the holiday festivities. By now, many have either started thinking about what they are going to purchase for those on their gift list – others are in...
The Family Bed: A Story in Generations
If I had been born at home, surely it would have been into a family bed. As it was, my parents brought me home from the hospital, where I was promptly given a place aside my mother in the bed which slept us all: mom, dad, my brother and I. I nursed...
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The Question Is - To Refinance or Not?
What does it mean to refinance? Why would anyone want to
consider it? There are numerous situations when someone
would refinance. When we use the word refinance, we are
basically referring to a loan: for example a car or house
loan. It may also be a business loan. In this article, we
are going to explain the home loan and some of the common
terms of refinancing and how they apply to other types of
loans as well.
The process of taking out a new mortgage or loan is called
refinancing, and using that money which you have received,
to close out your older mortgage. The process of doing a
refinance helps many homeowners, because you may then be
able to obtain a loan at a more favorable interest rate.
This can mean that you have the capability to retire
your mortgage earlier and have a lesser amount owed.
Since a refinance plan basically amounts to taking out a
new mortgage and closing out the previous mortgage, the
procedures involved resemble, those involved in taking out
your first mortgage. It is vital to keep in mind that the
procedure will probably involve at least some of the same
expenses again, because of this. But in view of the huge
amount of money that refinancing can benefit you, homeowners
discover that it is often well worth the hassle. Some
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people may even decide to save up a specific amount of
money and apply it as a 'down payment" on the sum that they
refinance. They can then refinance a lesser amount and the
payments will be less.
Of course, the most popular reason to refinance is so
that homeowners can secure a lower interest rate and
therefore pay lower repayments each month. If the interest
rate that you received on your mortgage is higher than
current interest rates, you will probably want to consider
the benefits of refinancing. This means that even if your
refinanced mortgage is for the same amount as your
original mortgage, the lower interest rate means a total
lowered cost to you. Often a long-term loan will have a
large amount of interest and you may spend years paying
off just the interest and not paying the principal.
Naturally, when you refinance, it can mean lower
monthly mortgage payments for you and your family.
This essentially gives you greater freedom each month,
and far better security financially. Look into refinancing
options today, and start saving on your home mortgage!
Contact a mortgage broker and ask him or her to investigate
what options are open to you.
Hilda Schultze has created a one stop resource site
Refinance Ctr
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| Family Research Council: Wednesday, December 6, 2006 |
| Christian organization promoting the traditional family unit and the Judeo-Christian value system upon which it is built. Provides links, commentary, news, ... |
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