mortgage refinancing

Wednesday, September 12, 2007

home refiance

Loan refinance. Home loan refinance, home refinancing | HSBC Australia
Thinking about refinancing your home loan? Check out the HSBC options and see if
there is a better mortgage for your budget and lifestyle.
www.hsbc.com.au/1/2/personal/home-loans/refinance

Home Loans Australia. Best home loan range | HSBC Australia
Refinance Your Home Loan with HSBC. These steps will help to take the ...
HSBC Bank Australia Limited ABN 48 006 434 162 AFSL 232595 All rights reserved.
www.hsbc.com.au/1/2/personal/home-loans

Australian Home Refinance Loans and Mortgages
Home Loan Club finds the Australian lenders, including top banks with great
interest rates and flexible loans tailored to your refinance needs.
www.australianhomerefinanceloan.com/

Low Home Loans Rates - Improvement Refinance Investment Australia ...
Low Home Loans Rates - Improvement Refinance Investment Australia: Provides low
home loan rates as well as improvement refinance investment in Australia.. ...
www.webotopia.org/australia/ detail,1369171726,low-home-loans-rates-improvement-refinance-investme...

Australian Home Refinance Loans and Mortgages
Home Loan Club finds the Australian lenders, including the top banks with the
great interest rates and flexible loans tailored to your needs.
www.australianhomerefinance.com/

Refinance Mortgage Refinancing loan Online Mortgage Loan Home ...
Home mortgage refinance - Australia mortgage broker services The Home Loans Club
takes the ... Home Loan Australia mortgage refinance broker services ...
www.dovada.com/home_finance.htm

Bad business credit home refinance * sex doll costume * acosta ...
Edel and best price on verizon wireless plans coast Western Australia cost ....
Bad Credit Home Refinance - Bad Credit Home Purchase - Bad Credit Home . ...
cost-of-amalgam.shwywalari.info/aaka.html

Refinancing a Home Loan in Australia
As many as 33% of all loan applications are by people looking to refinance.
Click here for a Free Refinancing Quote service for Australian Home Owners. ...
www.loansense.com.au/refinancing.html

Australian Home Refinance - Australian Home Refinance Loans ...
Australian Home Refinance - Refinance Home Loans in Australia to complement your needs!
www.australian-home-refinance.com/

Smartline Home Loans - Mortgage Brokers & Home Loans in Australia
Refinance Home Loan Leslie and Karen. REFINANCE | Leslie & Karen. By choosing to
refinance with Smartline, Leslie and Karen managed to ‘break even’ and ...
www.smartline.com.au/
Home-Loan-Club Australia - Home Equity Loans and Mortgages
For home equity loans and mortgages in Australia, see the Home Loan Club.
We source mortgages from low ... Home Equity Loans & Mortgage Refinance Australia ...
www.home-loan-club.com.au/

Debt Consolidation Loan with Home-Loan-Club Australia
For home equity loans and mortgages in Australia, see the Home Loan Club. ...
Debt Consolidation · Renovation Home Loan · Refinance Home Loan ...
www.home-loan-club.com.au/debt-consolidation.htm

Mortgage Broker for Finance or Refinance on Home Loans in ...
Sample and Partners is a mortgage broking firm located in Sydney, Melbourne and
Brisbane Australia who can finance or refinance your home loan including ...
www.sampleandpartners.com.au/

Mortgage Helpers Australia :: Mortgage Helpers, Mortgages, Home ...
Australia Street Directory Business Listing - As the name suggests Mortgage
Helpers Australia was founded in 2001 to assist people with their mortgage ...
mortgagehelpersaustralia.street-directory.com.au/

Home Mortgage Loan Rate - Australian Home Refinance Loans & Mortgages
Home Mortgage Loan Rate - Get competitive financing! Great mortgage rates and
smarter decisions! Mortgage quotes from top lenders of Australia.
www.australian-home-refinance.com/ mortgage-loan-rate.htm

Home Loan Australia - Mortgage Broker in Brisbane Sydney and ...
As our testimonials confirm, everyone at Peach Home Loans is trained to make your
new home loan or refinance as easy as possible. ...
www.peachhomeloans.com.au/

Home Loan Mortgage Refinance Mortgage debt consolidation Loan Real ...
Home loan mortgage refinance, looking for real estate Australia home loans online
mortgage loans or a home equity loan for a debt consolidation loan, ...
www.dovada.com.au/refinance-mortgage.htm

Home Loan Australia « WordPress.com
Michael Constantinos wrote 9 months ago : Getting preapproved for a home loan is
one of the best ... Find other items tagged with “home-loan-australia”: ...
wordpress.com/tag/home-loan-australia/

Mortgage Rates Australia Refinance Home Loans Services Sydney Gold ...
Free australian mortgage service, providing advice and assistance to borrowers
seeking finance.
www.bankhomeloans.com.au/

Mortgage - Australia | Mortgageseek.com.au
Find mortgage brokers, lenders, financial advisors and Australian home loan services.
Home loan calculators, news and resources.
www.mortgageseek.com.au/
Logical Choice Finance, Australia Home Loans, Refinance, Investment
Logical Choice Finance, Australia home loans, home loans, mortgage, choice,
mortgage choice, refinance, debt consolidation, investment, property.
www.logicfinance.com/

Your Australian Home Loan
Australia's Home Loan Club provides information allowing you to select home ...
There are many great reasons to refinance. With new, lower cost mortgage ...
www.australianhouseloan.com/

Bloomberg.com: Worldwide
16 (Bloomberg) -- Australia's Rams Home Loans Group Ltd. failed to refinance
A$6.17 billion ($5 billion) of short- term U.S. loans, forcing the lender to ...
www.bloomberg.com/apps/news? pid=20601087&sid=afRK0oEFn10w&refer=home

Keywords visable as text - HTMLHelp Forums
Home loan, Homeloans, Homeloan, Refinance, Refinance Australia,
Mortgage, Mortgages, Mortgage loans, Home mortgages, Best mortgage, ...
forums.htmlhelp.com/index.php? showtopic=4124&view=getlastpost

Refinance Mortgages, Refinance Home Mortgage, Home Equity Loans
Relevant keywords: refinance,refinance home loans,mortgage,refinance equity,refinance
investment,refinance mortgage consultant,mortgage lender,australia ...
www.refinancespecialists.com.au/

Mortgage Refinance, Home Loans, Debt Consolidation, Mortgage ...
Australian Mortgage Refinance - Mortgage Calculator - Refinancing - Sydney Mortgage
Broker - Australian Loans - Melbourne Home Loans - Personal Loan ...
www.aussiebestloans.com.au/

Wizard Home Loans Australia, interest rates, fees
Home loans Australia - home loans, interest rates - Wizard Home Loans Australia.
... refinance an existing loan, invest in property or ...
www.wizard.com.au/homeloans/default.aspx

Aussie Home Refinance Loans and Mortgages
Home Loan Club finds the Australian lenders, including the top banks with
competitive interest rates and ... Australian Home Refinance Loans & Mortgages ...
www.aussie-home-refinance.com/

Home Refinancing on Find Articles
Nov 28, 2004 (The Sunday Times - ABIX via COMTEX) In Western Australia (WA) in
the three ... Directory Of Refinance Home Deals. Find Refinance Home Quickly. ...
findarticles.com/p/search?qt=Home+Refinancing&qf=hb4692

Home Loans, Debt Consolidation, Bad Credit Loans, Mortgage ...
Honey Loans Australia - Sweetest choice for each & every Aussie Home Loans, Debt
Consolidation, Debt Financing, Bad Credit Loans, Mortgage Refinance, ...
www.honeyloans.com.au/
Loans - Home Loans
As a Western Australian owned company, we lend to the Western Australian market
only. ... For a limited time, if you refinance your home loan from another ...
www.homeonline.com.au/loans/home-loans/

Home Loans > Australia
Home Loans Australia - Great guide to Home Loans in Australia and Home Loan ...
off your home loan faster terms of your home loan home loand refinance ...
barinya.com/australia/real_estate/Home_Loans.htm

Money Ideas Australia
A home refinance loan from a refinance specialist like Money Ideas creates options
and ... Mortgage Industry Association of Australia and Finance Brokers ...
www.moneyideas.com.au/refinance-home-loan.htm

Mortgage Loans, Refinance Loans, Home Equity Loans Links
Providing you with the lowest rates for your home purchase, refinance, ...
Home Equity Loans & Mortgages Australia - For home equity loans and mortgages in ...
soldbyowner.com/mtg.html

Pacific Mortgage Home Loans
Covers home loans, investment loans, consolidation and refinance loans and is a
long term (30 yrs ... Stamp Duty offices throughout Australia (pdf file) ...
www.pacificmortgage.com.au/

Home Loan Australia
Information specific to Australia on Home Loans and Real Estate from a ....
Some people decide to refinance their home at a shorter term in order to reduce ...
www.loansense.com.au/home-loan-australia-blog/

Home Loans, Mortgages, Mortgage Brokers, Finance, Australia
Home Loans & Mortgages, Financial services listing for Australian business ...
If you have the equity, you can do a cash-out refinance and pay off the debt ...
www.v6.com.au/home-loans.asp

Debt Consolidation, Debt Control, Australia
Debt Consolidation Services, Australia .... Money Store - Providing loans for
home improvement, refinance and debt consolidation. ...
www.v6.com.au/content101.asp

BW Online | September 8, 2003 | Australia: Homing in on Runaway ...
Australia: Homing in on Runaway Home Prices ... LendingTree - Mortgage and
Refinance Loans Refinance $200000 for Only $1248/Month, Fixed Rate! ...
www.businessweek.com/magazine/ content/03_36/b3848041_mz010.htm

TheMLS.com - Resources
provides resources on mortgage, home loan, refinance mortgage, debt consolidation,
mortgage calculators, etc. Home Loans Australia Home loan mortgage ...
www.themls.com/resources2/index.html

Did you mean: home refinance america

Web Search
Results 1 - 10 of about 173,000 for home refiance america.

Sponsored Links
Over 1,00,000 Hotels
Hotel,Rooms available all over the World (Duniya) Low rates for India.
www.duniyakehotel.com
Apply for Home Equity Now
Unbelievably Low Interest Rate. Easy and Fast Service!
www.citifinancial.co.in
Latest Financial news
Detailed Charts & Graphs, Expert Analysis, Free Online Portfolio
www.ADVFN.com
Web Results

Mortgage Refinance : America's Lending Partners
America's Lending Partners can help you refinance your existing home loan and
... America's Lending Partner's is a licensed mortgage broker, originator or ...
www.lendingpartners.com/ objective/mortgage-refinance.aspx

Home Mortgage Refinance, Home Purchase Loans, Mortgage Planning ...
Home Mortgage Refinance. A mortgage refinance involves renegotiating an ...
America's Lending Partner's is a licensed mortgage broker, originator or ...
www.lendingpartners.com/

Mortgages, Refinance, Home Loans, Home Equity Loans at Quicken Loans
Call Quicken Loans today and talk to a refinance expert. Home Loans: Quicken Loans
makes your home purchase quick and easy. ... America's Home Loan Experts® ...
www.quickenloans.com/

American Home Mortgage: Mortgage, Refinance and Home Loan Rates by ...
American Home Mortgage. Our Mortgage Planners offer refinancing, home loans, home
equity loans and interest-only mortgages that put you in control.
www.ahmadvantage.com/

American Mortgage
Texas mortgage company,texas mortgage,loan rates,home,refinance,texas ...
American Mortgage can help you purchase, refinance or take advantage of your home ...
www.amerimort.com/

Loans, Refinance and Debt Consolidation - Rebuild.org
... seeking debt consolidation, mortgage loans, home refinance or a home equity loan
... We can connect you to an America payday loan provider which is most ...
www.rebuild.org/

About Baltimore American Mortgage - Home Refinance - Maryland ...
Home Refinance. Your loan is on the house! SM. Refinance your mortgage to a lower
... Baltimore American Mortgage has simplified the entire loan process. ...
www.bamcdirect.com/home-refinance.php

Countrywide Financial - Home Loans - Equity Loan Mortgages ...
Today Countrywide, America’s #1 Home Loan Lender, has helped millions of ...
Countrywide has refinance mortgage solutions you could be able to use for debt ...
my.countrywide.com/

Home Value | Bank of America
(Please select one), Find the value of my home (Refinance/Home equity), Find the
value of another ... 2007 Bank of America Corporation. All rights reserved.
www.bankofamerica.com/loansandhomes/ index.cfm?template=hc_home_worth

Mortgage and Home Loans Overview from Bank of America
Whether you're ready to refinance your home, researching mortgages or simply want
to learn more about ... 2007 Bank of America Corporation. All rights reserved.
www.bankofamerica.com/loansandhomes/
Home America Loan is Macomb County Michigan Mortgages Refinance ...
Home America LOAN offers the LOWEST interest rates in Michigan. For mortgage
rates and all your financial needs call us at (586) 913-4200 or visit us at ...
www.homeamericaloan.com/

American Mortgage Funding Corp
Whether you are searching for a second mortgage, home mortgage refinance, or home
purchase loan, let CFIC Home Mortgage Company provide comprehensive ...
www.americanmortgagefundingcorp.com/

Home Mortgage Loans - American Home Mortgage Rates - Refinance ...
Find the Best Home Mortgage Loan Offers in minutes. We compare over 300 lenders
to find the lowest home mortgage loan rates available.
www.mortgageloan.com/home-mortgage

American Home Mortgage - Georgia Mortgage Rate, Georgia Mortgage ...
American Home Mortgage offers Georgia mortgage and refinance services for home
owners and home buyers. Experienced mortgage professionals providing full ...
www.loansite.com/

Home Equity Loan Rates and Mortgage Loans at AmericanLoanSearch ...
American Loan Search is the 100% advertiser supported loan search engine. ...
Second Mortgage | Home Equity | Home Improvement | First Mortgage | Refinance ...
www.americanloansearch.com/

FundFast.com - Fast Easy Loans, CA Home Loans, Refinance, Cash Out ...
Want to refinance a current mortgage and strike while the rates are hot? We offer
several lock-in periods and bring your loan home from application to ...
www.fundfast.com/

Home of The Funding Shop - America's choice for low mortgage rates
Home of The Funding Shop - America's choice for low mortgage rates. ...
Mortgage Refinance - No Cash Out, Mortgage Refinance - Cash Out, New Home Purchase ...
www.saltworksonline.com/

Qualify America , Mortgage Calculator, Mortgage Rate, Mortgage ...
Qualify America leads the mortgage industry in helping customers with bad credit
problems. ... mortgage - home loan - refinance - bad credit - real estate ...
www.qualifyamerica.com/

American Financing Corporation
American Financing is a Colorado mortgage banker offering the best rates for a
home refinance mortgage loan and home equity loans in the following states. ...
www.americanfinancing.net/

Home Loan: Home Mortgage Loans & Refinance Home Mortgage
Our Home Mortgage Network loan advisor will assist you to get a home loan, mortgage
loan & refinance home mortgage loans at the right home mortgage rates or ...
www.homemortgagenetwork.com/
Advertisers

Computer User Groups

Web Search
Results 21 - 30 of about 249,000 for home refiance america...

Sponsored Links
Over 1,00,000 Hotels
Hotel,Rooms available all over the World (Duniya) Low rates for India.
www.duniyakehotel.com
Apply for Home Equity Now
Unbelievably Low Interest Rate. Easy and Fast Service!
www.citifinancial.co.in
Latest Financial news
Detailed Charts & Graphs, Expert Analysis, Free Online Portfolio
www.ADVFN.com
Web Results

Mortgage, Home Loan, Refinance, and Other Lending Services from ...
Preapproval.com, offering mortgage, home loan, refinance, and other lending
services in Huntington and surrounding areas.
www.preapproval.com/

Mortgage, home loan, refinance, and other lending services from ...
Home Loans of America, offering home loan, refinance, and debt consolidation services.
www.homeloansofamerica.com/

American Language School
American language school for the study of English immersion, ESL Cambridge courses,
... Mortgage Loan - refinance mortage, second mortage, home refiance ...
www.cisl.org/linkResources4.htm

Scottsdale Mortgage - Paradise Valley Home Loans - Paradise Valley ...
Select One, Purchase Loan, Refinance Loan, Cash Out Equity Loan, Debt Consolidation,
Home Equity. No errors. Credit History: ...
www.nofeefinancing.com/

Sleep EZ with Ditech Home Loans: America's Leader in Mortgage ...
People are smart: A Leader in Home Loans and Mortgage Loans Providing the Most
Competitive Fixed Rates, Learn about the Sleep EZ Loan today.
www.ditech.com/

Charlotte Mortgage - Charlotte Refinance, Home Loan, Mortgage ...
Charlotte mortgage lender focused on securing great mortgage rates and providing
top-notch, personal customer service throughout North Carolina.
www.americanonemortgage.com/

Baltimore American Mortgage - Maryland, Pennsylvania, Virginia
Buying a home is one of the biggest and most important decisions you will ever make.
Baltimore American Mortgage and RE/MAX Exclusive make the entire home ...
www.bamcdirect.com/

Low Rate Georgia Home Loans, Georgia Mortgage and Refinance ...
American Brokerage can help if you are in Georgia and are.... Buying a new home
in Georgia; Seeking to refinance and lower your current mortgage payments ...
www.valoansnow.com/

Mortgage Rates: Refinance, Home Equity, Adjustable, Fixed ...
RateMarketplace.com is your one stop shop for lowest mortgage rates online and
competitive mortgage quotes. Whether it's a mortgage refinance, a home equity ...
www.ratemarketplace.com/

Medford real estate for sale and Medford mortgages
Are you ready to purchase a new home? Thinking of Refinancing? ... Only an
experienced company like Ambient Home Lending knows not only that the variables ...
www.ambientlending.com/
VA Streamline Mortgages - Refinance VA Home Loans
A Free Carnival Cruise with every refinance this month! ... America's Choice
Mortgage is a member of the following associations: ...
www.veteranschoicemortgage.com/

Home Loans and Morgage Rates
The most popular are first time home mortage, home morgage refinance and second
mortgage. ... American Express; American Home Loans; Bank of America ...
www.home-loan-expert.net/

Home Loan, Mortgage, Refinance, Debt Consolidation, and other ...
Home Loan, Mortgage, and Refinance Services from All American Mortgage ...
Take the first step towards the American Dream by completing our easy Online ...
www.mortgagesandequipment.com/

Home Refinance Mortgage Loans | Home Loans | Mortgages
Specializing in all types of loans in ; Home Refinance Mortgage Loans. ...
Sallie Mae | Capital One | Bank of America | Quicken Loans | Wells Fargo | WAMU ...
www.mortgagepig.com/home-refinance-loan/ ?cc=Home%20Refinance%20Mortgage%20Loans

Manchester Mortgage - New Hampshire Refinance - Reverse Mortgage ...
Equity America Mortgage Services, Inc. is an established local mortgage broker
... Refinance Loan, Cash Out Equity Loan, Debt Consolidation, Home Equity ...
www.equityams.com/

Home Loan, Mortgage, Refinance, Debt Consolidation, and other ...
Home Mortgage of America Inc. offers custom solutions for every residential or
... Refinance up to 125% of appraised value; Construction; Home Improvement ...
homemortgagesinc.com/

USA Debt consolidation loan Bad credit mortgage refinance Home ...
America's Lending Partners is:. - Focused on the home refinance and mortgage
industry - no auto loans, insurance or bill paying services here ...
users.teol.net/~santic/

Nationwide, direct lender, Lend America offers mortgages, loans ...
Lend America, direct nationwide mortgage lender, for mortgages, loans, refinance,
quick loan process, with little to no money down.
www.lendamerica.com/

The Mortgage Store - Where America Goes for Mortgages
Home loans mortgage lenders, home equity loans, debt consolidation, mortgage
refinance companies, interest only home loans, and second mortgage brokers.
www.mortgagestore.net/

America's Lead Source - Real Time Mortgage Leads. Refinance and ...
Refinance Mortgage Leads, Purchase Leads, Verified Mortgage Leads and ...
America's Lead Source delivers Nationwide Mortgage Applicants in Real-time. ...
www.alsource.com/

eb Results

American First Credit Union
use the property value estimator, view property listings and more. Count on
American First whenever you're in the market to buy or to sell a home. ...
www.amerfirst.org/

#1 American Financial: Mortgage - Insurance - Home Loans - Credit ...
Select a Loan Type, Refinance Mortgage, Home Equity Loan/Line, Purchase Home,
Debt Consolidation ... #1 American Financial Home Loan and Mortgage Resources: ...
www.1americanfinancial.com/

Home Refinance, Mortgage Refinance, Second Mortgage
Home Refinance, Mortgage Refinance, Second Mortgage.
www.americanfinancing.net/home-refinance.cfm

Louisville Mortgage - Frankfort Refinance - American Dream ...
American Dream Mortgage, a Name You Know and Trust, specializes in First Time
Homebuyers, Louisville Grants, Refinance, Debt Consolidation, Investment / 2nd ...
www.breakyourarm.net/

Arizona Marketing Specialists Arizona | Refinance Arizona Mortgage ...
Arizona Home Loans | Refinance your Arizona Home with a low rate Mortgage. ...
analysts about your options for mortgages, refinancing or home equity loans. ...
www.amsphx.com/

Home Loans,Refinance Loans,1st mortgages,2nd mortgages,home equity ...
The American Home Loans Advantage - There's more to home financing than the loan.
That's why we offer free advice, personal service and the American Home ...
www.1americanhomeloans.com/

Trust Mortgage Source - Home
Joomla - the dynamic portal engine and content management system.
www.trustmortgagesource.com/

Beat the Press Archive | The American Prospect
... http://homeloanlogic.com/c/refiance-home-loan.html refiance home loan .....
Explore The American Prospect's award-winning investigative journalism and ...
www.prospect.org/csnc/blogs/beat_the_press_archive? month=05&year=2007&base_name=the_post_on_trade_blah_blah_bl

Mortgage, home loan, refinance, and other lending services from ...
American Mortgage Solutions Inc, offering home loan, refinance, and debt consolidation
... Start the Home Loan Process with American Mortgage Solutions Inc ...
www.amortgagesolutions.com/

Low Mortgage Rates|No Cost Refinance|Home Equity|Debt ...
Refinance today with Countrywide Home Loans...America's # 1 Home Lender^. We'd
like your business! Countrywide has all types of options for all types of ...
homeloans.countrywide.com/ default.aspx?from=cw_n&def
anada Mortgage Rates Refinance Canada Bad Credit Mortgage Loans ...
"Canada Mortgage center- home financing for everyday people". canada_mortgage
... LOW RATE Home Refinance UP TO 100% or No down payment Mortgages - ...
www.canadianmortgagefinder.com/

Wells Fargo Financial Canada - Financial Products for Canadian ...
Choose from a range of loan, home equity, second mortgage, refinance and ...
Loan products available through Wells Fargo Financial Corporation Canada a non ...
financial.wellsfargo.com/canada/

Mortgages Canada, Mortgage Canada, Home Mortgage Canada, Home ...
Local and Nationwide listings or Mortgage Brokers, Home Equity Loans, ...
Home Mortgages Canada, Mortage Refinance Canada, Loan Mortgage Canada, ...
www.partypop.com/Categories/Mortgages/Canada.htm

toronto mortgage broker | commercial mortgage | homepage| - CENTUM ...
REFINANCE DEBTS WITH HOME EQUITY LOW RATE, 1 PAYMENT SAVE $$ ... debt or starting
construction, we can help with processing your mortgages in Canada. ...
www.mortgageproscanada.com/

Cost gold grade mining * 2006 canada fertilizer price * gum ...
beach california huntington olan refinance club costa nighh rica rollwr coster
tycoon sefine cash budget define cash buget define cash budgee 2006 canada ...
high-drug-costs.shwywalari.info/aakc.html

Self-employment & Resources 3
Refinance home loan and refinance mortgage thru this Home Loan Finder. Pooch Canada
Pet Supplies Pooch Canada is your online pet supplies store for high ...
www.starscapes.com/resources/other3.html

A home based business & Resources 4
Indian DVD rental online in Canada. Convenient mail delivery and return for Indian
DVD ... Mortgage Loan - refinance mortage, second mortage, home refiance ...
www.starscapes.com/resources/other4.html

Canada home loan, Bad credit loan Canada, Canada mortgage lender ...
With a debt consolidation loan in Canada, what will actually be involved when
you refinance your home? When you refinance with debt consolidation loans in ...
www.lowest-rate-direct-loan.com/

Ontario Mortgage | Mortgage Refinancing | Home Equity Loans
... for purchase, refinance, debt consolidation and construction in Canada. ...
If you would like to take Equity out of your home to Consolidate Debt we can ...
www.mortgagesourcecanada.com/

Photo Realism Painting - Neon Art Paintings
Study English in Canada at English schools in Vancouver and Whistler. ...
Refinance home loan and refinance mortgage thru this Home Loan Finder. ...
www.kingneonbooks.com/other3.html

Home Equity Loans and Second Mortgages - Wells Fargo Financial Canada
Consolidate your bills, make home improvements, refinance your mortgage, ...
Wells Fargo Financial Corporation Canada operates in Quebec as Société ...
financial.wellsfargo.com/canada/ en/consumer/equity/index.html

Mortgage Rate Canada - Best Home Mortgage Rates!
Canada's leading supplier of internet discounted mortgages. ... We can help you
get the cash you need to purchase or refinance a home even if you have ...
www.mortgageratecanada.net/

The Internet Mortgage Center - Refinance Mortgage or Second ...
Previously, CMHC (Canada Mortgage Housing Corporation) would not insure the lenders
... It can help you purchase a home, refinance an existing home, ...
www.mortgagetips.com/

Bodies found in home on Canada's West Coast: media - Yahoo! News
Bodies found in home on Canada's West Coast: media. Tue Sep 4, 5:47 PM ET.
VANCOUVER, British Columbia (Reuters) - Police found five bodies in a home on ...
fe10.news.mud.yahoo.com/s/nm/20070904/ wl_canada_nm/canada_bodies_col

Browse By Region
Unknown, Journal, Goodsite, Canada, houston refinancehome loan loan ...
.info/e4/goldmedalmortgage.com-home-refinance.html ]goldmedalmortgage.com home ...
ecorestoration.montana.edu/rangeland/ bibliography/browse_region.asp?menuRegion=Canada

La Canada Home Loans & La Canada Rates - Yahoo! Real Estate
Our La Canada home loans page shows La Canada mortgage rates as well as La Canada
home equity rates to help you purchase a home, refinance, or obtain a home ...
realestate.yahoo.com/California/La_Canada/loans

Bad business credit home refinance * sex doll costume * acosta ...
George Thompson low cost flight to canada Barbary airline cost index sails ...
Bad Credit Home Refinance - Bad Credit Home Purchase - Bad Credit Home . ...
cost-of-amalgam.shwywalari.info/aaka.html

British Columbia refinance loan, Canada home refinancing, mortgage ...
Low cost home refinancing delivers you the money you need for home improvement,
refinancing, and reducing debt.
www.low-cost-home-refinancing.com/archive-1.htm

Canada Refinance a Home Mortgage
Canada Home Mortgage Refinance | Low rates, best terms, compared up to 40 lenders
for your home mortgage refinance.
www.bcmortgageactioncenter.com/ canada-refinance-home-mortgage.html

Financing and Loans - Regency Tower Apartments - Web Resources
Mortgage Source Canada - Canadian home mortgage loans. Bad Ccedit purchase,
refinance, and debt consolidation mortgages in Canada. ...
www.regency-tower.com/web/financing.html
Fabiola Cardenas, Mortgage Consultant, Toronto, Canada, GTA, Best ...
As you buy your first home, refinance or renew your mortgage, ... With Invis,
Canada’s leading mortgage brokerage firm, I benefit from a greater negotiating ...
www.fabmortgages.com/

ProSight Home Inspection Resources Directory | Home Loans & Mortgages
Bi weekly Mortgage Broker - Refinance Home Mortgage - Bi-weekly Mortgage Brokers
.... Ontario’s best team of mortgage brokers combined with Canada’s top ...
www.prosightinspections.com/ resource-home-loans-mortgages.html

Bodies found in home on Canada's West Coast: media - Yahoo! News
Bodies found in home on Canada's West Coast: media. Tue Sep 4, 5:47 PM ET ...
Refinance your mortgage today. Compare up to 4 refinance quotes fast. ...
fe16.news.re3.yahoo.com/s/nm/20070904/ wl_canada_nm/canada_bodies_col

Pooch Canada is your online pet supplies store for high quality ...
Study English in Canada - English Schools in Vancouver Whistler ... Home Mortgage
Loan - mortgage interest rate, refinance home, mortgage ...
www.bnecontractors.com/partners/other3.html

Canada and Candian Real Estate Resources
One of the 10 Best Real Estate Websites - Covers topics such as - Home equity
Loans, Home Refinance- Mortgages - Flat Fee MLS-and very many other aspects ...
www.jacksonholerr.com/resources9.htm

La Canada Flintridge, CA Real Estate on Yahoo! Real Estate - Homes ...
Refinance your mortgage today. Compare up to 4 refinance quotes fast. ... Use our
home buyer tools to research all aspects of the La Canada Flintridge ...
realestate.yahoo.com/California/La_Canada_Flintridge

Politics - Topblogging
canada cheap propecia ...
.info/refiance-home-loan/site_map.html]finance home mortgage refinance[/url] ...
www.topblogging.com/politics/page-3.html

Bodies found in home on Canada's West Coast: media - Yahoo! News
Bodies found in home on Canada's West Coast: media. 7 minutes ago. VANCOUVER,
British Columbia (Reuters) - Police found five bodies in a home on Tuesday in ...
news.yahoo.com/s/nm/20070904/ wl_canada_nm/canada_bodies_col_3

Bodies found in home on Canada's West Coast: media - Yahoo! News
Bodies found in home on Canada's West Coast: media. 19 minutes ago ... Refinance
$200000 for Only $1248/Month, Fixed Rate. Qualify Online. ...
fe15.news.re3.yahoo.com/s/nm/20070904/ wl_canada_nm/canada_bodies_col

Blinds.com Home Improvement
Bi-weekly Mortgage Broker - Refinance Home Mortgage Broker - Refinance Home ....
mortgage broker specializing in residential mortgages across Canada. ...
www.blinds.com/control/homesites?page=home-32820-1.html

Home Loans Canada - Find a Specialist - ThisNext
Home Loans Canada - Find a Specialist ... Discover More. Image of Mortgage
refinance, home purchase, mortgage planning: America's Lending Partners ...
www.thisnext.com/item/391FB7D3/Home-Loans-Canada-Find-a

Pennsylvania-Home-Refinance.com | Pennsylvania Home Refinance ...
Pennsylvania-Home-Refinance.com. Pennsylvania-Home-Refinance.com ... Sponsored
Listings for CANADA INVESTING. Associated Sites ...
www.pennsylvania-home-refinance.com/ canada-investing.htm

ManitobaMortgage.com: Winnipeg Manitoba mortgage broker services ...
COM: Mortgage Broker Services for Residents of Manitoba Ontario Canada. Home |
Home Purchase | Mortgage Refinance | Debt Consolidation | Commercial ...
www.manitobamortgage.com/

CanEquity Mortgage Canada - Canadian Debt Consolidation
The valuable equity that you may already have in your home can be used to ...
As this example shows, we were able to refinance their existing mortgage ...
www.canequity.com/debt_consolidation.stm

At Home Canada Mortgages: Canada's lowest mortgage rate provider
Canadian mortgage broker offering competitive mortgages across Canada for all
types of mortgages including first time home buyers, renewals, preapprovals, ...
mortgages.athomecanada.com/products/refinancing.html

La Canada Flintridge Mortgage Quotes And Real Estate Information ...
Select One, Home Refinance, Home Equity, Debt Consolidation, Home Purchase ...
Mortgage and interest rate quotes for the La Canada Flintridge area (or ...
www.citytowninfo.com/places/california/ la-canada-flintridge/mortgage

New Canada Rd, Arlington, TN home for sale - Yahoo! Real Estate
Real Estate - New Canada Rd, Arlington, TN home for sale. $352500. ... Get up to
5 free refinance, home equity and debt consolidation quotes. ...
realestate.yahoo.com/Tennessee/Arlington/ Homes_for_sale/1c3c00dda5b7379bb104f002130d41b6

Yahoo! Canada Answers - What's the process for refinancing on a ...
I know that we will have to refinance the loan to remove my name from the deed.
Do I get any proceeds from the refinancing in order to purchase another home ...
answers.yahoo.ca/question/index?qid=1006042011412

Vancouver mortgage loan, Canada home refinancing, mortgage loan
Millions and millions of good people have bad credit and, fortunately, many of
them can get a bad credit home equity loan. Canada Home Refinance ...
www.low-cost-home-refinancing.com/archive-13.htm

Other Commercial Sites
Available in Canada and the USA. Clear Acne Treatment program for acne-free skin
from ... Mortgage Loan - refinance mortage, second mortage, home refiance ...
www.beautymarkcorp.com/other4.html
Rapid Secured Loans: Home Loans: Remortgages Loans
2007 ReFinance UK - Licensed Credit Brokers. Directly Authorised by the FSA (no.
416102) and members of F.I.S.A Specialising in secured loans online, home ...
www.rapid-secured-loans.co.uk/

UK Home Mortgage, Refinance Mortgage, Bad Credit Mortgage, Second ...
mortgage calculator with approval for home mortgage, refinance mortgage, bad
credit mortgage and second mortgage loan.
www.flagstonefinance.co.uk/

Mortgages | Refinance | Bad Credit | Home Equity | Countrywide ...
Refinance or Tap into Your Home Equity with Countrywide’s Full Spectrum® Lending
Division. Get a free, no-obligation loan consultation today! ...

Loans
Apply for a secured home loan now from SelectLoans.co.uk, even with a bad credit
history! Secured Loans : Submit your details today and let our appointed ...
www.evirginloans.com/

TheMLS.com - Resources
Mortgage rate quotes for refinance mortgage and home loans for purchases, cash
out refinances and even bad credit. Remortgages UK ...
www.themls.com/resources2/index.html

Best Refinance Home Mortgage Loan Rate - UK offers
Best Refinance Home Mortgage Loan Rate Mortgage Services.
www.webtaxi.com/ best-refinance-home-mortgage-loan-rate.htm

mortgage refiance britain: Useful UK listings for mortgage ...
bad credit home mortgage refinance UK Mortgage :: bad credit home mortgage
refinance ... dth.jp Home Mortgage Refinance Loan - Home Loan Refinance ...
www.indexsearch.co.uk/websearch/ mortgage+refiance+britain/

Car finance UK| Car refinance UK| Business car finance UK - UK Car ...
We also specialize in car finance, car refinance and business car finance in the UK.
... YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A ...
www.ukcarfinance.net/

Tips for Mortgage Refinance. UK Home Refinancing Help
Tips for Mortgage Refinance. UK Home Refinancing Help.
www.home-loan-mortgage-rates.co.uk/ a/tips-for-mortgage-refinance.html

Mortgages UK
credit home loans home refinance rate low interest home improvement loan morgage
loan calculators mortgage new home loans mortgage lenders uk ...
www.finance-1.co.uk/mortgages.htmlhome loan refinance uk from crown-honda.co.uk
easywebcreator work at home directory provides refinance loan united kingdom
information and resources. Listing refinance loan united kingdom.
www.easywebcreator.com/ freeadsukhome%20loan%20refinance%20uk%20from%20crown-hondacouk/s-refinance...

Secured-loans3
Refinance UK fast re-mortgages, secured loans and home loans. Fast re-mortgages,
secured loans and home loans for UK Homeowners. Get secured loans. ...
www.uswitch.com/link-exchange/secured-loans3.asp

Home Loans UK at Local.co.uk
Home Loans in UK at local.co.uk - Find local web sites about Home Loans that cover
... Mortgages, Refinance, Home Loans, Home Equity Loans at Quicken Loans ...
www.local.co.uk/uk/Home_Loans

Toadfire.com - rapid - Home Loans in UK
UK Home mortgages: We provides you with purchase mortgages in the UK, ...
Self employed: At Refinance UK, We furnish self employed services which can ...
www.toadfire.com/blog_full.jsp?blogID=4106

Leaders the Rental Agents in the UK :: Mortgage related resources
Offers mortgage applications to a range of mortgage purchase loans, home equity,
refinance and debt consolidation loans. ____. Mortgage Remortgage uk ...
www.leaders.co.uk/Useful-Links/Mortgages.asp

Home Mortgages: UK Home Loans, Secured Loans, Remortgages ...
We would refinance your home with Home Mortgages, Remortgages at Cost-Effective
Rate. Get Free Quote of UK Home Mortgages, Remortgages, Home Loans, ...
www.rapid-secured-loans.co.uk/ content/uk-home-mortgages.asp

Bad Credit Remortgage Companies
Can You Get A Home Remortgage If You Have Impaired Credit finally, check out the
small print .... Can I Get A Remortgage With Impaired Credit And Cash UK ...
www.refinance-home.co.uk/

XWebServices Case Study: California Home Loan Refinance from ...
Once California Home Loan Refinance decided on their content, they used XWebServices,
... ZDNet UK. Become a ZDNet UK member! Skip to Main Content ...
whitepapers.zdnet.co.uk/0,1000000651,260142121p,00.htm

Refinance Loans, Debt Consolidation, Home Equity Loans, New ...
Uk Mortgages Quote-Uk Mortgages Quote.com features a mortgage calculator and a loan
... Home Refinance California | Low Mortgage Rates - Home Refinance ...
bestrate.net/resources.html

EZ loan for mortage, home refinance, debt help, equity loan & more
consolidation debt loan personal uk best loan loan loan uk uk uk.net best loan
secured uk consolidation debt loan online uk home loan refinance uk ...
www.ez-loan.us/Home Loan Mortgage Refinance, Bad Credit Loan Mortgage Refinance ...
Refinance Mortgage Loan UK provides you FREE, No Obligation Mortgage Quote on
all types of Home Mortgage Loans, Debt Consolidation Loans, Home Equity Loans, ...
www.refinance-mortgage-loan.co.uk/

Refinance Mortgage UK -Refinace Home Mortgage, Best Refinance ...
Refinance Mortgage Loan UK offers Mortgage, Home Mortgages, second mortgages,
best mortgage refinance to uk homeowners at low mortgage rates.
www.refinance-mortgage-loan.co.uk/ refinance-mortgage.html

UK Home Loans
Other Recent EzineArticles from the Real-Estate:Mortgage-Refinance Category: ...
UK Home Loans. EzineArticles. Retrieved September 09, 2007, ...
ezinearticles.com/?UK-Home-Loans&id=226228

Remortgage Home UK - Double Financial Benefit of Your Home
HOME::Real-Estate/Mortgage-Refinance. Remortgage Home UK - Double Financial ...
Most Viewed EzineArticles in the Real-Estate:Mortgage-Refinance Category ...
ezinearticles.com/? Remortgage-Home-UK---Double-Financial-Benefit-of-Your-Home&id=681206

UK MORTGAGE-MORTGAGE REFINANCE-SECURED LOAN-BRIDGING LOAN
uk mortgage, mortgage refinance, secured loan and bridging loan offer ...
Your home may be repossessed if you do not keep up repayments on your mortgage ...
www.flagstonefinance.co.uk/sitemap.html

Yahoo! UK & Ireland Directory > Property Financing
Online conveyancing advice and quotes for U.K. home movers. Alerio.com Mortgage
Refinance · open this site in another window ...
uk.dir.yahoo.com/Business_and_Economy/ Shopping_and_Services/Property/Financing/

CompareRate2Save.com- Best Offers Reviewed in Debt Consolidation ...
Find the Lowest interest rates with acceptable terms in Home Refinance, Mortgage,
... Loans.co.uk can lend you money even if you have bad credit. ...
www.comparerate2save.com/index.html

Steve Koppelman's Catalogue of Poorly Catalogued Things, Which Is ...
home loan refinance rate after auto bankruptcy loan refinance automobile refinance
loan online auto refinance loan home loan refinance uk ...
www.hatless.com/blog/archive/000091.html

Article - Home Mortgage Refinance Loan UK, Debt Consolidation ...
Current Events Home Mortgage Refinance Loan UK Instantmortgageuk.com Offers home
mortgage refinance loan and debt consolidation mortgage loan in UK. ...
www.eventweb.co.uk/article.php?n=18

Executive Suites,Virtual Offices and Business Centers by Alliance ...
Compare UK car, home and tarvel insurance suppliers rates online, ... Home Loans &
Mortgages, Co. offers free mortgage refinance and home refinance quotes. ...
www.abcn.com/resources/resources4.htmBad Credit Loans & Credit Cards - Get approved in minutes!
Find a bad credit loan, bad credit personal loans, home loans, & debt consolidation
loan ... You’ll find great information about homeowner loans in the UK, ...
www.directlendingsolutions.com/

Website designers uk, breathe365 are a uk web design agency with ...
Independent Uk residential mortgage broker offers mortgages and remortgages. ...
Home Refinance even with bad credit, Home mortgage refinance with worse ...
www.breathe365.com/links2.php/mortgages/

Low Mortgage Rates - Refinance, Home Mortgage Loans & Home Equity ...
LoansPlanet.com has helped many people find truly the lowest mortgagem refinance
and home equity rates online. Read about our satisfied customers now! ...
www.loansplanet.com/

refiance home mortgages - refinance equity loan refinance loans
http://majestic12.co.uk/bot.php?I=15FDF5F4E39F31ED531C7AF65E41EEA6-BD84208CC46561A6-
000060691631C953-www.refinance-home-mortgages.net ...
www.refinance-home-mortgages.net/

Factoring (Invoices): Fastest, Most Hi-Tech Small Biz Financing ...
Financial Resource Center for home mortgage, home equity, home refinance, ...
Search over 400 secured and personal homeowner loans in UK with Low Interest ...
www.21stcapital.com/finance-loans.html

Surfer Comments
best ...
.info/refiance-home-loan/site_map.html]finance home mortgage refinance[/url] www.ug100.com/comments.php?id=jody&page=2

Tuoreimmat linkit
Luokat homeowner refinance, homeowner finance, home refinance, uk mortgages
tallentaja: hipster5 Lisätty 5 päivää, 23 tuntia sitten ...
fi.blinklist.com/tag/broker/

Chytřejší cesta k surfování internetem
Soubor pod building society loans, uk home refinance, brokers uk od ... This is
Money I've no debts but my credit score is lowThis is Money, UK - Aug 30, ...
cs.blinklist.com/tag/money/

Bad Credit Home Refinance on decimalplace.co.uk
In general, lenders view Homes with second mortgages in a rather unfavorable manner.
When applying for Home Refinance, a low debt-to-income ratio is very ...
www.decimalplace.co.uk/Bad-Credit-Home-Refinance.html

Politics - Topblogging
Political forum for UK and US and even the green issues affrcting every day ....
info/refiance-home-loan/site_map.html]finance home mortgage refinance[/url] ...
www.topblogging.com/politics/page-3.html

refiance home loan

Sponsored Listings

Home Business Entertainment Food Health People Places Reference Shopping Words Careers New! More...

WikiAnswers

Resources

Bloggers & Webmasters

Web Search

Results 11 - 20 of about 106,000 for refiance home loan australia...

Sunday, September 9, 2007

mortgage refinancing

ates
# Alameda California Refinance
# Alhambra California Refinance
# Aliso Viejo California Refinance
# Altadena California Refinance
# Anaheim California Refinance
# Antioch California Refinance
# Apple Valley California Refinance
# Arcadia California Refinance
# Arden-Arcade California Refinance
# Atascadero California Refinance
# Azusa California Refinance
# Bakersfield California Refinance
# Baldwin Park California Refinance
# Bell California Refinance
# Bell Gardens California Refinance
# Bellflower California Refinance
# Belmont California Refinance
# Benicia California Refinance
# Berkeley California Refinance
# Beverly Hills California Refinance
# Brea California Refinance
# Buena Park California Refinance
# Burbank California Refinance
# Burlingame California Refinance
# Calexico California Refinance
# Camarillo California Refinance
# Campbell California Refinance
# Calabasas California Refinance
# Carlsbad California Refinance
# Carmichael California Refinance
# Carson California Refinance
# Castro Valley California Refinance
# Cathedral City California Refinance
# Ceres California Refinance
# Cerritos California Refinance
# Chico California Refinance
# Chino California Refinance
# Chino Hills California Refinance
# Chula Vista California Refinance
# Citrus Heights California Refinance
# Claremont California Refinance
# Clovis California Refinance
# Colton California Refinance
# Compton California Refinance
# Concord California Refinance
# Corona California Refinance
# Costa Mesa California Refinance
# Covina California Refinance
# Culver City California Refinance
# Cupertino California Refinance
# Cypress California Refinance
# Daly City California Refinance
# Dana Point California Refinance
# Danville California Refinance
# Davis California Refinance
# Delano California Refinance
# Diamond Bar California Refinance
# Downey California Refinance
# Dublin California Refinance
# East Los Angeles CA Refinance
# East Palo Alto California Refinance
# El Cajon California Refinance
# El Centro California Refinance
# El Monte California Refinance
# Elk Grove California Refinance
# Encinitas California Refinance
# Escondido California Refinance
# Eureka California Refinance
# Fair Oaks California Refinance
# Fairfield California Refinance
# Fallbrook California Refinance
# Florence-Graham California Refi
# Florin California Refinance
# Folsom California Refinance
# Fontana California Refinance
# Foster City California Refinance
# Fountain Valley California Refi
# Fremont California Refinance
# Fresno California Refinance
# Fullerton California Refinance
# Garden Grove California Refinance
# Gardena California Refinance
# Gilroy California Refinance
# Glendale California Refinance
# Glendora California Refinance
# Goleta California Refinance
# Hacienda Heights California Refi
# Hanford California Refinance
# Hawthorne California Refinance
# Hayward California Refinance
# Hemet California Refinance
# Hesperia California Refinance
# Highland California Refinance
# Hollister California Refinance
# Huntington Beach California Refi
# Huntington Park California Refinance
# Imperial Beach California Refinance
# Indio California Refinance
# Inglewood California Refinance
# Irvine California Refinance
# La Habra California Refinance
# La Mesa California Refinance
# La Mirada California Refinance
# La Presa California Refinance
# La Puente California Refinance
# La Verne California Refinance
# Laguna California Refinance
# Laguna Hills California Refinance
# Laguna Niguel California Refinance
# Lake Elsinore California Refinance
# Lake Forest California Refinance
# Lakewood California Refinance
# Lancaster California Refinance
# Lawndale California Refinance
# Livermore California Refinance
# Lodi California Refinance
# Lompoc California Refinance
# Long Beach California Refinance
# Los Altos California Refinance
# Los Angeles California Refinance
# Los Banos California Refinance
# Los Gatos California Refinance
# Lynwood California Refinance
# Madera California Refinance
# Manhattan Beach California Refi
# Manteca California Refinance
# Marina California Refinance
# Martinez California Refinance
# Maywood California Refinance
# Menlo Park California Refinance
# Merced California Refinance
# Milpitas California Refinance
# Mission Viejo California Refinance
# Modesto California Refinance
# Monrovia California Refinance
# Montclair California Refinance
# Monterey California Refinance
# Monterey Park California Refinance
# Moorpark California Refinance
# Moreno Valley California Refinance
# Morgan Hill California Refinance
# Mountain View California Refinance
# Murrieta California Refinance
# Napa California Refinance
# National City California Refinance
# Newark California Refinance
# Newport Beach California Refinance
# North Highlands California Refinance
# Norwalk California Refinance
# Novato California Refinance
# Oakland California Refinance
# Oakley California Refinance
# Oceanside California Refinance
# Oildale California Refinance
# Ontario California Refinance
# Orange California Refinance
# Orangevale California Refinance
# Orcutt California Refinance
# Oxnard California Refinance
# Pacifica California Refinance
# Palm Desert California Refinance
# Palm Springs California Refinance
# Palmdale California Refinance
# Paradise California Refinance
# Paramount California Refinance
# Parkway-South Sacramento CA Refi
# Pasadena California Refinance
# Perris California Refinance
# Petaluma California Refinance
# Pico Rivera California Refinance
# Pittsburg California Refinance
# Placentia California Refinance
# Pleasant Hill California Refinance
# Pleasanton California Refinance
# Pomona California Refinance
# Porterville California Refinance
# Poway California Refinance
# Rancho Cordova California Refinance
# Rancho Cucamonga California Refi
# Rancho Palos Verdes California Refi
# Rancho Santa Margarita CA Refi
# Redding California Refinance
# Redlands California Refinance
# Redondo Beach California Refinance
# Redwood City California Refinance
# Rialto California Refinance
# Richmond California Refinance
# Riverside California Refinance
# Rocklin California Refinance
# Rohnert Park California Refinance
# Rosemead California Refinance
# Roseville California Refinance
# Rowland Heights California Refinance
# Rubidoux California Refinance
# Sacramento California Refinance
# Salinas California Refinance
# San Bernardino California Refinance
# San Bruno California Refinance
# San Buenaventura California Refinance
# San Carlos California Refinance
# San Clemente California Refinance
# San Diego California Refinance
# San Dimas California Refinance
# San Francisco California Refinance
# San Gabriel California Refinance
# San Jose California Refinance
# San Juan Capistrano California Refi
# San Leandro California Refinance
# San Luis Obispo California Refinance
# San Marcos California Refinance
# San Mateo California Refinance
# San Pablo California Refinance
# San Rafael California Refinance
# San Ramon California Refinance
# Santa Ana California Refinance
# Santa Barbara California Refinance
# Santa Clara California Refinance
# Santa Clarita California Refinance
# Santa Cruz California Refinance
# Santa Maria California Refinance
# Santa Monica California Refinance
# Santa Paula California Refinance
# Santa Rosa California Refinance
# Santee California Refinance
# Saratoga California Refinance
# Seaside California Refinance
# Simi Valley California Refinance
# South Gate California Refinance
# South San Francisco California Refi
# South Whittier California Refinance
# Spring Valley California Refinance
# Stanton California Refinance
# Stockton California Refinance
# Suisun City California Refinance
# Sunnyvale California Refinance
# Temecula California Refinance
# Temple City California Refinance
# Thousand Oaks California Refinance
# Torrance California Refinance
# Tracy California Refinance
# Tulare California Refinance
# Turlock California Refinance
# Tustin California Refinance
# Union City California Refinance
# Upland California Refinance
# Vacaville California Refinance
# Vallejo California Refinance
# Victorville California Refinance
# Visalia California Refinance
# Vista California Refinance
# Walnut California Refinance
# Walnut Creek California Refinance
# Watsonville California Refinance
# West Covina California Refinance
# West Hollywood California Refinance
# West Sacramento California Refinance
# West Whittier-Los Nietos CA Refi
# Westminster California Refinance
# Westmont California Refinance
# Whittier California Refinance
# Willowbrook California Refinance
# Woodland California Refinance
# Yorba Linda California Refinance
# Yuba City California Refinance
# Yucaipa California Refinance

Copyright ©1999-2007 ERATE · All rights reserved · California Dept of Real Estate · Real Estate Broker #01292265 · DRE Phone (916) 227-093
tting Started

1. Guidelines to Mortgage Refinancing
2. Why Refinance Mortgage?
3. Would Refinancing Make Sense for you?
4. Refinancing: 3 Common Types Refinancings
5. Refinancing: Four Mistakes to Avoid
6. Mortgage Refinancing Closing Costs Explained
7. Potential Tax Benefits
8. Mortgage Refinancing Calculator
9. Verify Your Credit Rating
10. Loan Documentation - Mortgage Refinancing
11. Refinancing FAQs
12. Appraisal when Refinancing
13. Refinancing - Non Owner vs Owner Occupied
14. Home Owners Litigation - Refinancing
15. Wikipedia on Refinancing

Refinancing your home provides some flexibility for your unique needs. Ideally, refinancing allows you and your family breathing room with monthly bills, or even provides extra income for necessary expenses. But refinancing can be complicated and costly. Before undertaking the process, borrowers should carefully examine their financial situation, and their reasons for refinancing.....(read the entire aritcle)

Refinancing Mortgage Rates

* Alabama - 30 year fixed
* Alaska - 30 Year Fixed
* Arizona - 30 year fixed
* Arkansas - 30 year fixed
* Colorado - 30 year fixed
* Connecticut - 30 year fixed
* Delaware - 30 year fixed
* Florida - 30 year fixed
* Georgia - 30 year fixed
* Hawaii - 30 year fixed
* Idaho - 30 year fixed
* Illinois - 30 year fixed
* Indiana - 30 year fixed
* Iowa - 30 year fixed
* Kansas - 30 year fixed
* Kentucky - 30 year fixed

Selecting a Mortgage

1. Mortgage Program Options
2. Interest Only Mortgage
3. 100% Mortgage Financing - No Down Payment
4. Mortgage Rates Comparison
5. Mortgage Rates Tracker
6. Search for Mortgage Rates
7. No Costs Mortgage Refinancing
8. 2% Rule - Refinancing Mortgage
9. Yield Spread Premium
10. Zero Costs Mortgage Refinancing
11. Prepayment Penalty - Mortgage Refinancing
12. What is APR and how is it calculated?
13. Private Mortgage Insurance - Refinancing

Interest Only Loans have Risks:
The explosion in home appreciation rates over the last five years has been a real boon to homeowners and an increasing challenge to home buyers, especially first time home buyers. One of the by-products of this phenomenon has been a collection of “exotic” mortgage packages, one of which is the interest-only loan....(read the entire article)

Refinancing Mortgage Rates

* Louisiana - 30 year fixed
* Maine - 30 year fixed
* Maryland - 30 year fixed
* Massachusetts - 30 year fixed
* Michigan - 30 year fixed
* Minnesota - 30 year fixed
* Mississippi - 30 year fixed
* Missouri - 30 year fixed
* Montana - 30 year fixed
* Nebraska - 30 year fixed
* Nevada - 30 year fixed
* New Hampshire - 30 year fixed
* New Jersey - 30 year fixed
* New Mexico - 30 year fixed
* New York - 30 year fixed
* North Carolina - 30 year fixed

Moving Ahead With Your Refinance

1. Apply for a Mortgage
2. Is it best to pay points up front to reduce the interest rate?
3. Rate Lock info - Refinancing Mortgage
4. Refinancing Mortgage Tax Information
5. Should you pre-pay your mortgage?
6. Title Insurance for Mortgage Refinancing
7. Homeowner's Insurance
8. Earthquake Insurance - Refinancing Mortgage

Mortgage Rate Quote

Service and Data Privacy
provided by SecureRights
Secure Rights

Refinancing Mortgage Rates

* North Dakota - 30 year fixed
* Ohio - 30 year fixed
* Oklahoma - 30 year fixed
* Oregon - 30 year fixed
* Pennsylvania - 30 year fixed
* Rhode Island - 30 year fixed
* South Carolina - 30 year fixed
* South Dakota - 30 year fixed
* Tennessee - 30 year fixed
* Texas - 30 year fixed
* Utah - 30 year fixed
* Vermont - 30 year fixed
* Virginia - 30 year fixed
* Washington - 30 year fixed
* Washington DC - 30 year fixed
* West Virginia - 30 year fixed
* Wisconsin - 30 year fixed
* Wyoming - 30 year fixed

The First! In 1992, our founding company, LoanWorld, originated the first mortgage over the Internet.
Then in 1994 we created the first online loan application.
Refinancing

Home Equity

Auto Loans

Student Loans

Mortgage Tools

Tax Info
Loan Programs

* Fixed Rate Mortgages Fixed Rate Mortgage Survey and Info
* Fixed Rates: 30 Year, 20 Year, 15 Years
* 5/25 Balloon Mortgages
* 7/23 Balloon Mortgages

Adjustable Rate Mortgages

* Interest Only Mortgages Interest Only Mortgage
* Fixed Rate Interest Only Mortgages
* Interest Only Commentary
* Interest Only Loans and their Risks
* Interest Only - Leverage Debt

* Adjustable Rate Mortgage
* COFI Index
* LIBOR Index
* Option Arm

* 10 Year Arm
* 7 Year Arm
* 5 Year Arm
* 3 Year Arm
* 1 Year Arm

Get Competing Quotes Now
Rates/Facts by State

* Alabama
* Alaska
* Arizona
* Arkansas
* California
* Colorado
* Connecticut
* Delaware
* Florida

* Georgia
* Hawaii
* Idaho
* Illinois
* Indiana
* Iowa
* Kansas
* Kentucky
* Louisiana

* Maine
* Maryland
* Massachusetts
* Michigan
* Minnesota
* Mississippi
* Missouri
* Montana
* Nebraska

* Nevada
* New Hampshire
* New Jersey
* New Mexico
* New York
* North Carolina
* North Dakota
* Ohio

* Okalahoma
* Oregon
* Pennsylvania
* Rhode Island
* South Carolina
* South Dakota
* Tennessee
* Texas
* Utah

* Vermont
* Virginia
* Washington
* West Virginia
* Wisconsin
* Wyoming

No Closing Cost Mortgage

Home Purchase Loans

Money Advice

Rates by City

Additional Info
Fannie Mae & Freddie Mac Today

Retirement

Student Loans

Bi-Weekly Mortgage

Identity Theft

BBBOnLine Reliability Seal Click to Verify - This site has chosen a VeriSign SSL Certificate to improve Web site security
Equal Housing Lender
Freddie Mac
Fannie Mae

ESPANOL | REFINANCE | HOME EQUITY | LOAN TOOLS | FHA | INTEREST ONLY | RATE QUOTE | LINKS | SITE MAP
Copyright ©1999-2007 ERATE · All rights reserved · California Dept of Real Estate · Real Estate Broker #01292265 · DRE Phone (916) 227-0931
ERATE · 2900 Gordon Ave · Santa Clara · CA · 95051
Name

Rate

Points

APR

Fees

Lock
(Days)

Last
Update
ebank Mortgage 6.000% 0.000 6.064% $1375 30 Sep 8 2007
Pentagon Federal Credit Union 6.375% 0.250 6.399% $0 60 Sep 7 2007
Absolute Mortgage Services 6.250% 0.000 6.293% $900 30 Sep 6 2007
Amerisave 6.250% 0.000 6.332% $1727 30 Sep 6 2007
Amerisave 6.250% 0.000 6.332% $1727 30 Sep 6 2007
E-LOAN.com 6.625% 0.156 6.691% $410 30 Sep 6 2007
Sourcing Informa Research Services, Inc.

The rate information on this page is provided by © 2007 Informa Research Services, Inc., and was last updated 9/8/2007 11:54:38 PM. This information has been obtained from various financial institutions, and Informa Research Services cannot guarantee its accuracy. The information includes financial product data that was in the Informa Research Services database at the time of publication, and may not reflect all of the products available in your region. Before acting on the information shown on this page, contact the financial institution to verify the accuracy of the data.

Disclaimer
Fixed Rate/Adjustable Rate Conforming
Rates and fees are quoted on a $200,000 loan for a purchase transaction
of an owner occupied, single-family residence with an 80% loan-to-value ratio.
Rates are subject to change without notice.

Fixed Rate/Adjustable Rate Jumbo
Rates and fees are quoted on a $450,000 loan for a purchase transaction
of an owner occupied, single-family residence with an 80% loan-to-value ratio.
Rates are subject to change without notice.

Conforming Mortgage Rates Jumbo Mortgage Rates
30 Years Fixed Rate 30 Years Fixed Rate
15 Years Fixed Rate 15 Years Fixed Rate
5/1 Adjustable Rate Mortgage 5/1 Adjustable Rate Mortgage
3/1 Adjustable Rate Mortgage 3/1 Adjustable Rate Mortgage
One Year Adjustable Rate Mortgage One Year Adjustable Rate Mortgage

Alabama Facts

Alabama is located in the Southern United States. It received its name from the Alabama River. The state is also known as the Yellowhammer State. As of 2005, Alabama has an estimated population of 4,557,808, which is an increase of 32,433, or 0.7%, from the prior year and an increase of 110,457, or 2.5%, since the year 2000. Montgomery is the capital and Birmingham is the largest city of the state. Alabama has short mild winters and long warm summers.

Average January temperatures range from about 57 F at Mobile to about 44 F at Birmingham. July averages are in the low 80s F at Mobile and at Birmingham. Most rainfall occurs in winter and early spring but hurricanes sometimes occur in summer can threaten the costal areas. Alabama's major manufacturings include paper, chemicals, rubber and plastics, apparel and textiles, primary metals, and automobile. The state also produces aerospace and electronic products centering around the Huntsville area. Mobile is a busy seaport on the Gulf of Mexico. It is also an important center for the manufacture of paper products and chemicals. Birmingham is a leading banking center and it is noted for its well-developed medical research center as well

Alabama Home Sale Report
July 2006

Area

Units Sold

Avg. Selling Price

July 05

July 06

% Chge

July 05

July 06

% Chge

Baldwin

583

232

-60.2%

$319,413

$287,652

-9.9%

Birmingham

1478

1718

16.2

195,213

201,624

3.3

Calhoun County

128

108

-15.6

133,265

138,793

4.1

Covington

35

34

-2.9

81,022

118,600

46.4

Cullman

80

80

0.0

140,169

137,498

-1.9

Dothan

107

127

18.7

135,708

143,907

6.0

Gadsden

86

63

-26.7

136,732

120,048

-12.2

Huntsville

973

983

1.0

161,329

171,241

6.1

Jackson County

27

24

-11.1

109,905

132,584

20.6

Lake Martin

44

50

13.6

238,245

300,699

26.2

Lee County

183

208

13.7

190,268

203,669

7.0

Marshall County

91

91

0

156,845

143,149

8.7

Mobile

600

471

-21.5

165,863

159,483

3.8

Monroe County

13

14

7.7

80,462

96,448

19.9

Montgomery

604

561

-7.1

157,593

177,897

12.9

Muscle Shoals

134

143

6.7

125,458

127,549

1.7

Phenix City

132

0

N/A

114,043

0

N/A

Selma

16

17

6.25

95,000

139,000

46.3

Tuscaloosa

195

209

7.2

159,375

160,215

0.5

Walker County

39

29

-25.6

124,810

106,424

-14.7

Wiregrass

116

101

-12.9

118,400

140,386

18.6

Statewide

5664

5260

-7.1

149,482

152,708

2.2

Data Source: Alabama Association of Realtors

aii Facts

Hawaii is the only island state and the southernmost state in the United States. It is situated in the North Pacific Ocean and composed of composed of eight main islands and 124 islets, reefs, and shoals. As of 2005, Hawaii has an estimated population of 1,275,194, which is an increase of 13,070, or 1.0%, from the prior year and an increase of 63,657, or 5.3%, since the year 2000. Honolulu is the capital and largest city of Hawaii.

Get Lowest Refinance Rates
2 Minute Form - No Soc Sec # / SAFE, SECURE & FREE

Service and Data Privacy provided by SecureRights
This is FREE! No Credit Check and No Obligation.
Loan Type
Property Location
Property Type

(No mobile or manufactured homes)

HACKER SAFE certified sites prevent over 99.9% of hacker crime.
SecureRights collects and transfers your information to complete your request. By submitting your request you agree to be contacted in accordance with SecureRights Privacy Policy. View SecureRights Licenses.

Hawaii has a tropical climate. Summer average temperatures range between 72 and 79 F throughout the year at low elevations, and winter temperatures (at low elevation) seldom dipping below the mid 60s F. Precipitation varies greatly from place to place. The windward side of the islands receives much more rainfall than the leeward side does. Snow is not common but falls at high elevations on Mauna Kea and Mauna Loa in some winter months.

Tourism is the leading industry in Hawaii. Oahu is by far the most heavily visited island. Visitors mostly come from the mainland, Canada and Japan. Sugarcane and pineapples are the major agricultural products of the state. Other important crops include macadamia nuts, papayas, greenhouse vegetables, and coffee. The processing of agricultural products is an important industry in Hawaii. The fruit crop can be canned, frozen, or made into juices, jams, and jellies for sale in the mainland.

Hawaii > Refinance Rates > 30 Year Fixed Conforming
Programs:

Points:

Display:
| 1 |
Institution
Name

Rate

Points

APR

Fees

Lock
(Days)

Last
Update
ebank Mortgage 6.000% 0.000 6.064% $1375 30 Sep 8 2007
Hawaii Mortgage Company Inc 6.375% 0.000 6.919% $885 30 Sep 7 2007
NFS Loans 6.125% 0.000 6.299% $1750 30 Sep 7 2007
American Interbanc Mortgage 6.000% 0.250 6.297% $999 30 Sep 6 2007
Guaranteed Rate 6.375% 0.000 6.423% $995 30 Sep 6 2007
E-LOAN.com 6.625% 0.156 6.691% $410 30 Sep 6 2007
Sourcing Informa Research Services, Inc.

The rate information on this page is provided by © 2007 Informa Research Services, Inc., and was last updated 9/8/2007 11:55:37 PM. This information has been obtained from various financial institutions, and Informa Research Services cannot guarantee its accuracy. The information includes financial product data that was in the Informa Research Services database at the time of publication, and may not reflect all of the products available in your region. Before acting on the information shown on this page, contact the financial institution to verify the accuracy of the data.

Disclaimer
Fixed Rate/Adjustable Rate Conforming
Rates and fees are quoted on a $200,000 loan for a purchase transaction
of an owner occupied, single-family residence with an 80% loan-to-value ratio.
Rates are subject to change without notice.

Fixed Rate/Adjustable Rate Jumbo
Rates and fees are quoted on a $450,000 loan for a purchase transaction
of an owner occupied, single-family residence with an 80% loan-to-value ratio.
Rates are subject to change without notice.

Conforming Mortgage Rates Jumbo Mortgage Rates
30 Years Fixed Rate 30 Years Fixed Rate
15 Years Fixed Rate 15 Years Fixed Rate
5/1 Adjustable Rate Mortgage 5/1 Adjustable Rate Mortgage
3/1 Adjustable Rate Mortgage 3/1 Adjustable Rate Mortgage
One Year Adjustable Rate Mortgage One Year Adjustable Rate Mortgage
The First! In 1992, our founding company, LoanWorld, originated the first mortgage over the Internet.
Then in 1994 we created the first online loan application.
Refinancing

Home Equity

Auto Loans

Student Loans

Mortgage Tools

Tax Info
Loan Programs

* Fixed Rate Mortgages Fixed Rate Mortgage Survey and Info
* Fixed Rates: 30 Year, 20 Year, 15 Years
* 5/25 Balloon Mortgages
* 7/23 Balloon Mortgages

Adjustable Rate Mortgages

* Interest Only Mortgages Interest Only Mortgage
* Fixed Rate Interest Only Mortgages
* Interest Only Commentary
* Interest Only Loans and their Risks
* Interest Only - Leverage Debt

* Adjustable Rate Mortgage
* COFI Index
* LIBOR Index
* Option Arm

* 10 Year Arm
* 7 Year Arm
* 5 Year Arm
* 3 Year Arm
* 1 Year Arm

Get Competing Quotes Now
Rates/Facts by State

* Alabama
* Alaska
* Arizona
* Arkansas
* California
* Colorado
* Connecticut
* Delaware
* Florida

* Georgia
* Hawaii
* Idaho
* Illinois
* Indiana
* Iowa
* Kansas
* Kentucky
* Louisiana

* Maine
* Maryland
* Massachusetts
* Michigan
* Minnesota
* Mississippi
* Missouri
* Montana
* Nebraska

* Nevada
* New Hampshire
* New Jersey
* New Mexico
* New York
* North Carolina
* North Dakota
* Ohio

* Okalahoma
* Oregon
* Pennsylvania
* Rhode Island
* South Carolina
* South Dakota
* Tennessee
* Texas
* Utah

* Vermont
* Virginia
* Washington
* West Virginia
* Wisconsin
* Wyoming

No Closing Cost Mortgage

Home Purchase Loans

Money Advice

Rates by City

Additional Info
Fannie Mae & Freddie Mac Today

Retirement

Student Loans

Bi-Weekly Mortgage

Identity Theft

BBBOnLine Reliability Seal Click to Verify - This site has chosen a VeriSign SSL Certificate to improve Web site security
Equal Housing Lender
Freddie Mac
Fannie Mae

ESPANOL | REFINANCE | HOME EQUITY | LOAN TOOLS | FHA | INTEREST ONLY | RATE QUOTE | LINKS | SITE MAP
Copyright ©1999-2007 ERATE · All rights reserved · California Dept of Real Estate · Real Estate Broker #01292265 · DRE Phone (916) 227-0931
ERATE · 2900 Gordon Ave · Santa Clara · CA · 95051

mortgage refinancing

Ohio Cuts Refinancing Program That Came Too Late: Bloomberg TV Ohio Cuts Refinancing Program That Came Too Late: Bloomberg TV
Ohio Cuts Refinancing Program That Came Too Late: Bloomberg TV
Ohio, the state with the third-largest number of foreclosures, cut a $100 million mortgage refinancing program because the rescue plan may have come too late for most homeowners. The Ohio...
Bloomberg, 8/9/07· Save · More Like This

Is Mortgage Refinancing Right For You? Is Mortgage Refinancing Right For You?
Is Mortgage Refinancing Right For You?
Mortgage refinancing has become very easy to do and there are many advantages. There are also some tax benefits. For more information visit http://www.mountaintopmtg.net/mortgage-refinancing.htm
iFilm, 9/2/07· Save · More Like This

Article Results (Showing 1 - 10 of 1743) About

On the House | Mortgage refinancing boom may be on horizon
keepmedia Brace yourself, my friends. A mortgage-refinancing boom could be around the corner. That's ...
Philadelphia Inquirer, The, 3/18/07 by Al Heavens Inquirer Columnist · More from publication · Save
$72M refinancing for Manhattan multi-family
Meridian Capital Group recently arranged $72,280,000 for the refinancing of a 19-building multifamily portfolio in Manhattan totaling 946 units. Avi ...
Real Estate Weekly, 1/3/07 · More from publication · Save
Palisades Financial, through its Palisades Regional Investment Fund , announced the closing of a $2M transaction on behalf of 204 Shore, LLC, for the refinancing
Palisades Financial, through its Palisades Regional Investment Fund (PRIF II), announced the closing of a $2M transaction on behalf of 204 Shore, LLC, ...
Real Estate Weekly, 1/3/07 · More from publication · Save
Adopting Restatement Mortgage Subrogation Principles: Saving Billions of Dollars for Refinancing Homeowners
I. INTRODUCTION In eras of declining interest rates, millions of residential mortgage loans may be refinanced. When this occurs, it is customary for the refinancing lender to require a title examina
Brigham Young University Law Review, 3/1/06 by Nelson, Grant S · More from publication · Save
Mortgage refinancing push feared in reforms.
highbeam Byline: Catie Low Dec 28, 2005 (The West Australian - ABIX via COMTEX) -- There are concerns stamp duty changes for existing mortgages ...
Australasian Business Intelligence, 12/28/05 · More from publication · Save
Mortgage refinancing now makes sense for NY co-ops
The past two years have ushered in a "golden age" for the mortgage refinance industry, primarily driven by steadily falling mortgage interest rates, ...
Real Estate Weekly, 6/11/03 by Edward III Howe · More from publication · Save
You Can Cut Your Housing Costs - mortgage refinancing - Brief Article
HOME | Falling interest rates are sparking a RUSH TO REFINANCE. A slowing economy isn't all bad news. For many homeowners it presents the almost irresistible ...
Kiplinger's Personal Finance Magazine, 3/1/01 by Elizabeth Razzi · More from publication · Save
Build a relationship with your lender: forging a bond with your banker makes your mortgage search easier
When Maurissa Stone wanted to refinance her Laurel, Maryland, townhouse in 2003, reports of predatory lending made her cautious. While she didn't know ...
Black Enterprise, 11/1/05 by Matthew S. Scott · More from publication · Save
GMAC Commercial Mortgage Corp.(Tharaldson Lodging and Zion Suites LLC received fixed-rate refinancing loan )(Brief Article)
highbeam Tharaldson Lodging received $140.8 million in fixed-rate refinancing from GMAC Commercial Mortgage for a portfolio of 29 properties. ING Life Insurance ...
Lodging Hospitality, 5/1/05 · More from publication · Save
A loan again - mortgage refinancing
Mortgage rates are dropping to very low levels, which means it may be a good time for some homeowners to refinance. How to determine if refinancing is right for you and then the best way to go about i
Entrepreneur, 7/1/96 by Lorayne Fiorillo · More from publication · Save
Sponsored Links
Easy Bad credit Mortgage Loans.
Get Mortgage / Refi & Debt Loan From Top Companies Bad Credit Ok! Get Info Now.
www.badcredityesloan.info
Refinance Info Online
Get Info on Refinance from 14 search engines in 1.
t's Not Too Late to Refinance - mortgage refinancing
Refinancing a home loan can help homeowners lower their monthly payments and save money in the long run after recovering the refinance fees. Many homeowners ...
Kiplinger's Personal Finance Magazine, 12/1/98 by Elizabeth Razzi · More from publication · Save
Staying course keeps San Diego mortgage bank ahead of foes: Equity Plus sticks with generating new home loans, avoids residents refinancing mortgages
goliath Equity Plus Inc. maintained its 2003 ranking at No. 4 on the San Diego Business Journal's List of Fastest-Growing Private Companies by keeping its ...
San Diego Business Journal, 10/4/04 by Mandy Jackson · More from publication · Save
Honey, I Shrunk the Mortgage - mortgage refinancing
The first step in mortgage refinancing is to make sure refinancing will provide advantages. Refinancing usually makes sense if the new interest rate is ...
Black Enterprise, 2/1/99 by Lynnette Khalfani · More from publication · Save
Winter & Company announced that it has arranged a $2.925 million first mortgage refinancing - Real Financing Estate - converted loft building on Ann St.,
Winter & Company announced that it has arranged a $2.925 million first mortgage refinancing for a seven-story, 34,000 SF converted loft building on Ann ...
Real Estate Weekly, 12/26/01 · More from publication · Save
David Cronheim Mortgage Corporation - Financing - arranges refinancing agreement for Emigrant Savings Bank Tower - Brief Article
David Cronheim Mortgage Corporation announced that it has arranged a $3.1 million refinancing for the Emigrant Savings Bank Tower, a ten-story, 50,929 ...
Real Estate Weekly, 12/12/01 · More from publication · Save
GMAC Commercial Mortgage Corp. provided $33 million (U.S.) in floating-rate refinancing for the Hyatt Regency Montreal.(Buyers & Sellers)(Brief Article)
highbeam GMAC Commercial Mortgage Corp. provided $33 million (U.S.) in floating-rate refinancing for the Hyatt Regency Montreal. An affiliate of CNL Hospitality ...
Lodging Hospitality, 5/1/04 · More from publication · Save
GMAC Commercial Mortgage Corporation Provides $140 Million in Refinancing for a Portfolio of Senior Housing Properties
GMAC Commercial Mortgage Corporation Provides $140 Million in Refinancing for a Portfolio of Senior Housing Properties.
Business Wire, 4/17/06 · More from publication · Save
Recent Gradual Rise In Mortgage Rates Stalls Refinancing, Slowing The Demand For Lending
keepmedia McLEAN, VA -- In Freddie Mac's Primary Mortgage Market Survey, the 30-year fixed-rate mortgage (FRM) averaged 6.32 percent, with an average 0.5 point, ...
Realty Times, 6/18/04 · More from publication · Save
Refinancing still popular choice for New York cooperatives
Although some analysts predict a downward trend in the volume of mortgage refinancing activity as interest rates slowly tick up, New York's cooperative ...
Real Estate Weekly, 4/5/06 by Sheldon Gartenstein · More from publication · Save
In the Right Business at the Right Time: Home-Based Mortgage Broker Profits from Refinancing Boom
keepmedia If there was ever a perfect time to be a mortgage broker, 2003 was the year. Interest rates hit their 40-year low and lingered at levels never considered ...
Home Business, 1/1/04 by Sandy Larson · More from publication · Save
Refinancing
From Wikipedia, the free encyclopedia
• Have questions? Find out how to ask questions and get answers. •
Jump to: navigation, search

Refinancing refers to applying for a secured loan intended to replace an existing loan secured by the same assets. The most common consumer refinancing is for a home mortgage.
Contents
[hide]

* 1 Advantages
* 2 Risks
* 3 Points
o 3.1 Types
* 4 References
* 5 External links

[edit] Advantages

Refinancing may be undertaken to reduce interest costs (by refinancing at a lower rate), to pay off other debts, to reduce one's periodic payment obligations (sometimes by taking a longer-term loan), to reduce risk (such as by refinancing from a variable-rate to a fixed-rate loan), and/or to liquidate some or all of the equity that has accumulated in real property during the tenure of ownership.

In essence, refinancing a mortgage or other type of loan can lower the monthly payments owed on the loan either by changing the loan to a lower interest rate, or by extending the period of loan, so as to spread the re-payment out over a long period of time. The money saved can be used to pay down the principal of the loan, thus further reducing payments. Alternately, refinancing can be used to transform available equity in one's house into ready cash, available for other purposes or expenses.[1]

Another use of refinancing is to reduce the risk associated with an existing loan. Interest rates on adjustable-rate loans and mortgages shift up and down based on the movements of the various prime rates used to calculate them. By refinancing an adjustable-rate mortgage into a fixed-rate one, the risk of interest rates increasing dramatically is removed, thus ensuring a steady interest rate over time.

Refinancing a loan or a series of debts can assist in paying off high-interest debt such as credit card debt, with lower-interest debt such as that of a fixed-rate home mortgage. The net savings between the two interest rates can then be applied either towards further paying down the debt, or other purposes. In addition, non-tax deductible debt, such as credit card or car loan debt, can be transformed into tax-deductible debt such as home mortgage debt, potentially lowering one's taxes or shifting one into a more advantageous tax bracket. This type of arrangement is often associated with a Cash-Out Refinance. [2]

[edit] Risks

Certain types of loans contain penalty clauses triggered by an early payment of the loan, either in its entirety or a specified portion. In addition, there are also closing and transaction fees typically associated with refinancing a loan or mortgage. In some cases, these fees may outweigh any savings generated through refinancing the loan itself. Typically, one should only consider refinancing if one stands to save a substantial amount of money from doing so, either in the short or long-term, or if there is a need to extend the loan in order to pay for unexpected costs such as medical expenses.

In addition some refinanced loans, while having lower initial payments, may result in larger total interest costs over the life of the loan, or expose the borrower to greater risks than the existing loan, depending on the type of loan used to refinance the existing debt. Calculating the up-front, ongoing, and potentially variable costs of refinancing is an important part of the decision on whether or not to refinance.

[edit] Points

Main article: Point (mortgage)

Refinancing lenders often require an upfront payment of a certain percentage of the total loan amount as part of the process of refinancing debt. Typically, this amount is expressed in "points" (also sometimes called "premiums"), with each "point" being equivalent to 1% of the total loan amount. Therefore, if the refinance option selected involves paying three points, then the borrower will need to pay 3% of the total loan amount upfront. Most refinancing lenders offer a variety of combinations points and interest rates. Paying more points typically allows one to get a lower interest rate than one would be capable of getting if one paid fewer or no points. Alternately, some lenders will offer to finance parts of the loan themselves, thus generating so-called "Negative points" (also called discounts).

The decision of whether or not to pay points, and how many points to pay, should be taken in consideration of the fact that with points, one tends to trade a higher upfront cost in exchange for a lower monthly premium later on. Points can be paid out of the cash saved by refinancing the loan in the first place.

[edit] Types

No-Closing Cost refinances: This refinance option reduces greatly upfront fees. You will pay few upfront fees to get your new mortgage loan. In fact as long as the prevailing market rate is lower than your existing rate by 1.5 percentage point or more, it is financially beneficial to refinance because there is little or no cost in doing so.

Cash-Out Refinance: This type refinance may not help you lower the monthly payment or shorter your mortgage periods. It can be used for home improvement, credit card and other debt consolidation if you qualify with your current home equity; you can refinance with a loan amount larger than your current mortgage and keep the cash difference.Mortgage refinancing
From Wikipedia, the free encyclopedia
• Find out more about navigating Wikipedia and finding information •
Jump to: navigation, search

Mortgage refinancing is the method of replacing a mortgage with some other financing. Often, this involves acquiring the necessary financing from some other financial institution at better terms than the current. But mortgage refinancing can also mean getting a new loan from the same financial institution at better terms.

In general, the purpose of refinancing a mortgage is to lower the cost of it.

Interest rates, as you know, change all the time. If you hold a mortgage with a higher interest rate and the interest rate changes and becomes lower, a refinancing might become favorable. Small interest changes can often mean large savings if an effective refinancing can be made.

Changing values of property

One interesting situation arise if your property has gained in value and you have a combination of mortgages at different interest levels. Typically, the more you borrow the higher the interest rates will be at "the top" of the value. For example, you might get up to 85% of the value at 5% interest rate but eveything you borrow above that will be at a higher interest rate.

Now imagine that your property has gained in value over the last couple of years and that you when you bought it borrowed let's say up to 90% of it's value. Since the property has now got a higher valuation, it is likely that your full mortgage falls below the 85% that carries the lower interest rate. So what you could do is go to your financial institution and ask them if you can refinance the part that was earlier above 85% since your full mortgage is now entirely below 85%.

Early payoff penalty

If the mortgage you wish to refinance is fixed, there might be an early payoff penalty. This varies with different financial institutions and mortages so it has to be checked for each situation. Still though, even when an early payoff penalty is considered it might be worth to refinance.

In some cases, though this might not be the case in your country or with your financial institution, the institution that refinances your mortgage for you might be willing to pay parts of your early payoff penalty. This is of course always given that they see some kind of profit from you as a customer higher than the penalty.

In the US, mortgages are more common to be fixed at longer terms (could be for example 30 years) while in for example many European countries it is much more common with a floating rate mortgage. This, and more, makes the conditions for refinancing different depending on where you are from and what your situation is.
Mortgage & Mortgage Refinancing Links
The purpose of this site is to give a brief overview of the mortgage basics. The goal is to provide an understandable description of the main mortgage concepts rather than exhausting the topic thoroughly. If you need further information on the mortgage and mortgage refinancing subject you may check some of the links below.

Wikipedia - Mortgage:
http://en.wikipedia.org/wiki/Mortgage_loan
http://en.wikipedia.org/wiki/Mortgage

Wikipedia - Refinancing:
http://en.wikipedia.org/wiki/Refinancing

Useful mortgage information:
http://www.tescofinance.com/personal/finance/smarter_money/borrowing/mortgages.html

Useful information about how to refinance a mortgage:
http://www.fanniemae.com/homebuyers/findamortgage/refinancing/index.jhtml?p=Find+a+Mortgage&s=Refinancing

A comprehensive mortgage dictionary:
http://www.har.com/REDictionaryMortgage/

Google results for mortgage:
http://www.google.com/search?q=mortgage

Google results for mortgage refinancing:
http://www.google.com/search?q=mortgage+refinance

Google results for mortgage calculator:
http://www.google.com/search?q=mortgage+calculator
The Mortgage & Mortgage Refinancing Guide
Types of insurance

Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An insurance policy will set out in detail which perils are covered by the policy and which are not.
Below is a (non-exhaustive) list of the many different types of insurance that exist. A single policy may cover risks in one or more of the categories set forth below. For example, auto insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from causing an accident). A homeowner's insurance policy in the U.S. typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of health insurance for medical expenses of guests who are injured on the owner's property.
Automobile insurance, known in the UK as motor insurance, is probably the most common form of insurance and may cover both legal claims against the driver and loss of or damage to the insured's vehicle itself. Throughout most of the United States an auto insurance policy is required to legally operate a motor vehicle on public roads. In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to a no-fault system, which reduces or eliminates the ability to sue for compensation but provides automatic eligibility for benefits. Credit card companies insure against damage on rented cars.

Aviation insurance insures against hull, spares, deductible, hull war and liability risks.

Boiler insurance (also known as boiler and machinery insurance or equipment breakdown insurance) insures against accidental physical damage to equipment or machinery.

Builder's risk insurance insures against the risk of physical loss or damage to property during construction. Builder's risk insurance is typically written on an "all risk" basis covering damage due to any cause (including the negligence of the insured) not otherwise expressly excluded.

Business insurance can be any kind of insurance that protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability insurance, also called professional indemnity insurance, which are discussed below under that name; and (b) the business owners policy (BOP), which bundles into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners insurance bundles the coverages that a homeowner needs.

Casualty insurance insures against accidents, not necessarily tied to any specific property.

Credit insurance repays some or all of a loan back when certain things happen to the borrower such as unemployment, disability, or death. Mortgage insurance (which see below) is a form of credit insurance, although the name credit insurance more often is used to refer to policies that cover other kinds of debt.
Wikipedia

Misspellings

Translations

Best of Web

Cite this page

Search

Web

News

Images

Shopping

WikiAnswers

Ask Questions

Answer Questions

Browse Questions

Resources

Bloggers & Webmasters

Educators

Journalists

Small Businesses

Advertisers

Computer User Groups

mortgage
Dictionary
Back to Top
ICICI Bank Business Loan
Collateral Free Business Loans Upto 25 Lacs. Faster Sanction. Apply Now
SME.ICICIbank.com
Quick Personal Loans
Receive a Call in 10 min* & get Your Tailored Personal Loan Today!
Apnaloan.com/Personalloan
Home > Library > Words > Dictionary
mort·gage (môr'gĭj) pronunciation
n.

1. A temporary, conditional pledge of property to a creditor as security for performance of an obligation or repayment of a debt.
2. A contract or deed specifying the terms of a mortgage.
3. The claim of a mortgagee upon mortgaged property.

tr.v., -gaged, -gag·ing, -gag·es.

1. To pledge or convey (property) by means of a mortgage.
2. To make subject to a claim or risk; pledge against a doubtful outcome: mortgaged their political careers by taking an unpopular stand.

[Middle English morgage, from Old French : mort, dead (from Vulgar Latin *mortus, from Latin mortuus, past participle of morī, to die) + gage, pledge (of Germanic origin).]

WORD HISTORY The great jurist Sir Edward Coke, who lived from 1552 to 1634, has explained why the term mortgage comes from the Old French words mort, “dead,” and gage, “pledge.” It seemed to him that it had to do with the doubtfulness of whether or not the mortgagor will pay the debt. If the mortgagor does not, then the land pledged to the mortgagee as security for the debt “is taken from him for ever, and so dead to him upon condition, &c. And if he doth pay the money, then the pledge is dead as to the [mortgagee].” This etymology, as understood by 17th-century attorneys, of the Old French term morgage, which we adopted, may well be correct. The term has been in English much longer than the 17th century, being first recorded in Middle English with the form morgage and the figurative sense “pledge” in a work written before 1393.

Investment Dictionary
Back to Top
मोर्टगेज लोन
by ICICI Bank आज ही Apply करे
ICICIBankLoanAgainstProperty.com
Mortgages
Find info on Mortgages Use our free tools and research.
www.Banks.com
Home > Library > Business > Investment Dictionary
Mortgage

A debt instrument, secured by the collateral of specified real estate property, that the borrower is obliged to pay back with a predetermined set of payments. Mortgages are used by individuals and businesses wishing to make large value purchases of real estate without paying the entire value of the purchase up front.

Mortgages are also known as liens against property, or claims on property.

Investopedia Says:
In a residential mortgage, a homebuyer pledges his or her house to the bank. The bank has a claim on the house should the homebuyer default on paying his or her mortgage. In the case of a foreclosure, the bank may evict the home's tenants and sell the house, using the income from the sale to clear the mortgage debt.

Related Links:
It starts with knowing your choices as well as your price range. We show you how to get there. Shopping For A Mortgage
We explain the calculation and payment process as well as the amortization schedule of home loans. Understanding the Mortgage Payment Structure
This may be the biggest debt you'll ever incur. Learn why you should retire it sooner rather than later. Paying Off Your Mortgage
Learn the factors to consider when comparing the different programs offered by various lenders. Home-Equity Loans: The Costs
In a climate of rising interest rates, having an adjustable-rate mortgage can be risky. ARMed And Dangerous
Go beyond interest and find out how mortgage points affect your taxable income. A Tax Primer For Homeowners
Owning property isn't simple, but there are plenty of perks. Find out how to buy in. Investing In Real Estate

Banking Dictionary
Back to Top
Mortgage Companies
Upload Your Resume In 1 Easy Step We Get You Your Dream Job For Free!
www.TimesJobs.com
Mortgage Jobs
200000+ Jobs Awaiting Your Response Spend 2 Mins To Find Your Dream Job
Naukri.com/IT-Jobs/
Home > Library > Business > Banking Dictionary
Mortgage

Debt instrument giving conditional ownership of an asset, secured by the asset being financed. The borrower gives the lender a mortgage in exchange for the right to use the property while the mortgage is in effect, and agrees to make regular payments of principal and interest. The mortgage lien is the lender's security interest and is recorded in title documents in public land records. The lien is removed when the debt is paid in full. A mortgage normally involves real estate and is a long-term debt, normally 25 to 30 years, but can be written for much shorter periods.

Originally written exclusively as fixed-rate fully amortizing loans, mortgages have evolved into more flexible contracts. Since the mid-1970s, the financial industry's funding sources have become more volatile and market sensitive, and legislation and regulation have relaxed the prohibitions on alternative types of mortgage financing, such as variable rate and adjustable rate mortgages. Recent innovations in packaging of mortgage loans for resale in the Secondary Mortgage Market to investors have helped to create a national market for mortgage lending and a wide variety of synthetic financial instruments, such as theCollateralized Mortgage Obligation a multiclass security consisting of several different mortgage backed bonds that have payment characteristics quite different from the mortgages securing the bonds.

See also Adjustable Rate Mortgage; Alternative Mortgage Instrument; Balloon Mortgage; Biweekly Mortgage; Chattel Mortgage; Conventional Mortgage; Derivative Mortgage-Backed Securities; Graduated Payment Mortgage; Growing Equity Mortgage; Interest-Only (IO) Securities; Inverse Floater; Mortgage-Backed Bond; Mortgage-Backed Certificate; Mortgage-Backed Securities; Negative Amortization; Portable Mortgage; Price Level Adjusted Mortgage; Principal-Only (Po) Strip; Reverse Mortgage; Rollover Mortgage; Shared Appreciation Mortgage; Zero Coupon Mortgage.
Real Estate Dictionary
Back to Top
Mortgage
All Website About Mortgage Mortgage
uk.geocities.com
Home > Library > Business > Real Estate Dictionary
Mortgage

A written Instrument that creates a Lien upon Real Estate as Security for the payment of a specified debt.
Example: Lowry wants to buy a home. She needs a loan to complete the purchase. As Collateral Lowry offers a mortgage on the property to the lender.

Note that the borrower gives the mortgage, which pledges the property as collateral. The lender gives the loan.
Thesaurus
Back to Top

Home > Library > Words > Thesaurus
mortgage

verb

To give or deposit as a pawn: hypothecate, pawn1, pledge. Slang hock. See transactions.

Dental Dictionary
Back to Top

Home > Library > Health > Dental Dictionary
mortgage
n

A right given to the creditor over the property of the debtor for the security of the debt; invests the creditor with the power to have the property seized and sold in default of payment.
Britannica Concise Encyclopedia
Back to Top

Home > Library > Reference > Britannica Concise Encyclopedia
mortgage

In Anglo-American law, the method by which a debtor (mortgagor) conveys an interest in property to a creditor (mortgagee) as security for the payment of a money debt. The modern mortgage has its roots in medieval Europe. Originally, the mortgagor gave the mortgagee ownership of the land on the condition that the mortgagee would return it once the mortgagor's debt was paid off. Over time, it became the practice to let the mortgagor remain in possession of the land; it then became the mortgagor's right to remain in possession of the land so long as there was no default on the debt.

For more information on mortgage, visit Britannica.com.
Architecture
Back to Top

Home > Library > Arts > Architecture and Construction
mortgage

A loan in which property is used as security for the debt.
Columbia Encyclopedia
Back to Top

Home > Library > Reference > Columbia Encyclopedia
mortgage, in law, device for protecting a creditor by giving him an interest in property of his debtor. In common law a mortgage was a conditional sale; i.e., the mortgagor (debtor) sold realty (real property mortgage) or personal property (chattel mortgage), but if the debtor paid the debt by a certain time the sale was voided. The mortgagee (creditor) held legal title, the mortgagor equitable title; both estates were salable. Today Great Britain and a majority of states in the United States view mortgages as liens on property. The practical result under the two systems is the same. If the mortgagor does not pay the debt, the creditor seeks a court-ordered sale of the property (foreclosure), and the debt is paid out of the proceeds. During economic depressions many jurisdictions enact temporary mortgage moratorium statutes that give courts the discretionary power to refuse to foreclose mortgages. In a reverse mortgage, a homeowner borrows against the value of a house to receive a line of credit or monthly payments. Reverse mortgages are used by elderly homeowners as a way of obtaining cash, and normally the loan is paid off when the homeowner dies (or sells the property).

Law Encyclopedia
Back to Top

Home > Library > Legal > Law Encyclopedia
This entry contains information applicable to United States law only.
Mortgage

A legal document by which the owner (buyer) transfers to the lender an interest in real estate to secure the repayment of a debt, evidenced by a mortgage note. When the debt is repaid, the mortgage is discharged, and a satisfaction of mortgage is recorded with the register or recorder of deeds in the county where the mortgage was recorded. Because most people cannot afford to buy real estate with cash, nearly every real estate transaction involves a mortgage.

The party borrowing the money and giving the mortgage (the debtor) is the mortgagor; the party paying the money and receiving the mortgage (the lender) is the mortgagee. Under early English and U.S. law, the mortgage was treated as a complete transfer of title from the borrower to the lender. The lender was entitled not only to payments of interest on the debt but also to the rents and profits of the real estate. This meant that as far as the borrower was concerned, the real estate was of no value, that is, "dead," until the debt was paid in full— hence the Norman-English name "mort" (dead), "gage" (pledge).

The mortgage must be executed according to the formalities required by the laws of the state where the property is located. It must describe the real estate and be signed by all owners, including nonowner spouses if the property is a homestead. Some states require witnesses as well as acknowledgement before a notary public.

The mortgage note, in which the borrower promises to repay the debt, sets out the terms of the transaction: the amount of the debt, the mortgage due date, the rate of interest, amount of monthly payments, whether the lender requires monthly payments to build a tax and insurance reserve, whether the loan may be repaid with larger or more frequent payments without a prepayment penalty, and whether failing to make a payment or selling the property will entitle the lender to call the entire debt due.

State courts have devised varying theories of the legal effect of mortgages: some treat the mortgage as a conveyance of the title, which can be defeated on payment of the debt; others regard it as a lien, entitling the borrower to all the rights of ownership, as long as the terms of the mortgage are observed. In California a deed of trust to a trustee who holds title for the lender is the preferred security instrument.

At common law, if the borrower failed to pay the debt in full at the appointed time, the borrower suffered a complete loss of title, however long and faithfully payments had been made.

Courts of equity, which were originally ecclesiastical courts, had authority to decide cases on the basis of moral obligation, fairness, or justice, as opposed to the law courts, which were bound to decide strictly according to the common law. Equity courts softened the harshness of the common law by ruling that the debtor could regain title even after default, but before it was declared forfeit, by paying the debt with interest and costs. This form of relief is known as the equity of redemption.

Now nearly all states have enacted statutes incorporating the equity of redemption, and many have also enacted periods of redemption, specifying lengths of time within which the borrower may redeem. Although some debtors, or mortgagors, are able to avoid foreclosure through equity of redemption, many are not, because redeeming means coming up with the balance of the mortgage plus interest and costs, something a financially troubled debtor may not be able to accomplish. However, because foreclosure upends the agreement between mortgagor and mortgagee and creates burdens for both parties, lenders are often willing to work with debtors to help them through a period of temporary difficulty. Debtors who run into problems meeting their mortgage obligations should speak to their lender about developing a plan to avert foreclosure.

Failure to redeem results in foreclosure of the borrower's rights in the real estate, which is then sold by the county sheriff at a public foreclosure sale. At a foreclosure sale, the lender is the most frequent purchaser of the property.

If the bid at the sale is less than the debt, even if it is for fair market value, the lender may be granted a deficiency judgment for the balance of the debt against the debtor, with the right to resort to other assets or income for its collection.

Often other creditors bid at the sale to protect their interest as judgment creditors, second mortgagees, or mechanic's lien claimants. All such persons must be notified of the foreclosure suit and given a right to bid at the sale to protect their claims. Similar protections are afforded transactions involving deeds of trust.

Subdivision or condominium development mortgages that cover a large tract of land are blanket mortgages. A blanket mortgage makes possible the sale of individual lots or units, with the proceeds applied to the mortgage, and partial release of the mortgage recorded to clear the title for that lot or unit.

Construction mortgages need special treatment depending on state construction lien law. Often the loan proceeds are placed in escrow with title insurance companies to make certain that the mortgage remains a first lien, with priority over contractors' construction liens.

Open-end mortgages make possible additional advances of money from the lender without the necessity of a new mortgage.

The time of repayment may be extended by a recorded extension of mortgage. Other real estate may be added to the mortgage by a spreading agreement. Mortgaged real estate may be sold, with the buyer taking either "subject to" or by "assuming" the mortgage. In the former case, the buyer acknowledges the existence of the mortgage and, upon default, may lose the title. By assuming the mortgage, the buyer promises to repay the debt and may be personally liable for a deficiency judgment if the sale brings less than the debt.

Lenders regularly assign mortgages to other investors. Assignments with recourse are guarantees by the one who assigns the mortgage that that party will collect the debt; those without recourse do not contain such guarantees. Assignments with recourse usually involve lower-risk properties or those of relatively stable or rising value. Assignments without recourse tend to involve riskier properties. Mortgages assigned without recourse are often sold at a price discounted well below their market value.

Before the Great Depression of the 1930s, most mortgages were "straight" short-term mortgages, requiring payments of interest and lump-sum principal, with the result that when incomes dropped, many borrowers lost their properties. That risk is minimized today because commercial lenders take fully amortized mortgages, in which part of the periodic payment applies first to interest and then to principal, with the balance reduced to zero at the end of the term.

Several agencies of the federal government have assisted the mortgage market by infusion of capital and by guarantees of repayment of mortgages. The Federal Housing Administration made possible purchases of real estate at low interest rates and with low down payments. The Veterans Administration also guarantees home loans to certain veterans on favorable terms. Both agencies contributed greatly to the growth of the housing market after World War II. In the late 1950s, private corporations began insuring repayment of conventional mortgages.

The Government National Mortgage Association (Ginnie Mae), created by the U.S. government in 1968, makes possible trading in mortgages by investors by guaranteeing mortgages-backed securities.

The Federal National Mortgage Association (Fannie Mae) is a private corporation, chartered by the U.S. government, that bolsters the supply of funds for home mortgages by buying mortgages from banks, insurance companies, and savings and loans.

Inflation in the 1970s made long-term fixed-rate mortgages less attractive to lenders. In response, lenders devised three types of mortgage loans that enable the rate of interest to vary in case of rises in rates: the variable-rate mortgage, graduated payment mortgage, and adjustable-rate mortgages. These mortgages are offered at initial interest rates that are somewhat lower than those for twenty- to thirty-year fixed-rate mortgages.

Home equity loans are typically second mortgages to the holder of the first mortgage, advancing funds based on a percentage of the owner's equity, that is, the amount by which the value of the real estate exceeds the first mortgage balance.

See: amortization.
Economics Dictionary
Back to Top

Home > Library > Business > Economics Dictionary
mortgage (mawr-gij)

A legal agreement that creates an interest in real estate between a borrower and a lender. Commonly used to purchase homes, mortgages specify the terms by which the purchaser borrows from the lender (usually a bank or a savings and loan association), using his or her title to the house as security for the unpaid balance of the loan.
Word Tutor
Back to Top

Home > Library > Words > Spelling & Usage
mortgage pronunciation

IN BRIEF: An agreement in which borrower gives the lender a claim to property as a pledge that the debt will be paid.

pronunciation When they bought their house, they needed to apply for a mortgage loan.

Blogs
Back to Top

Home > Library > Leisure > Blog Topics
Related blogs on: mortgage

* Mortgage Guide 101 News and Insight from the world of real estate.
* The Mortgage Manifesto Insider secrets about the mortgage business
* The Truth About Mortgage Mortgage tips, lender rates, and the latest industry news.

Add your blog to the Answers Directory.
Wikipedia
Back to Top

Home > Library > Reference > Wikipedia
mortgage

This article is about the legal mechanism used to secure property in favor of a creditor. For loans secured by mortgages, such as residential housing loans, see mortgage loan.

Scale_of_justice.png
Property law
Part of the common law series
Acquisition of property
Gift · Adverse possession · Deed
Lost, mislaid, and abandoned property
Alienation · Bailment · License
Estates in land
Allodial title · Fee simple
Life estate · Fee tail · Future interest
Concurrent estate · Leasehold estate
Condominiums
Conveyancing of interests in land
Bona fide purchaser · Torrens title
Estoppel by deed · Quitclaim deed
Mortgage · Equitable conversion
Action to quiet title
Limiting control over future use
Restraint on alienation
Rule against perpetuities
Rule in Shelley's Case
Doctrine of worthier title
Nonpossessory interest in land
Easement · Profit
Covenant running with the land
Equitable servitude
Related topics
Fixtures · Waste · Partition
Riparian water rights
Lateral and subjacent support
Assignment · Nemo dat
Other areas of the common law
Contract law · Tort law
Wills and trusts
Criminal Law · Evidence

A mortgage is a method of using property (real or personal) as security for the payment of a debt.

The term mortgage (from Law French, lit. death vow) refers to the legal device used in securing the property, but it is also commonly used to refer to the debt secured by the mortgage, the mortgage loan.

In most jurisdictions mortgages are strongly associated with loans secured on real estate rather than other property (such as ships) and in some cases only land may be mortgaged. Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property.

In many countries it is normal for home purchases to be funded by a mortgage. In countries where the demand for home ownership is highest, strong domestic markets have developed, notably in Spain, the United Kingdom and the United States.

Participants and variant terminology

Legal systems tend to share certain concepts but vary in the terminology and jargon used.

In general terms the main participants in a mortgage are:

Creditor

The creditor has legal rights to the debt secured by the mortgage and often makes a loan to the debtor of the purchase money for the property. Typically, creditors are banks, insurers or other financial institutions who make loans available for the purpose of real estate purchase.

A creditor is sometimes referred to as the mortgagee or lender.

Debtor

The debtor[s] must meet the requirements of the mortgage conditions (and often the loan conditions) imposed by the creditor in order to avoid the creditor enacting provisions of the mortgage to recover the debt. Typically the debtors will be the individual home-owners, landlords or businesses who are purchasing their property by way of a loan.

A debtor is sometimes referred to as the mortgagor, borrower, or obligor.

Other participants

Due to the complicated legal exchange, or conveyance, of the property, one or both of the main participants are likely to require legal representation. The terminology varies with legal jurisdiction; see lawyer, solicitor and conveyancer.

Because of the complex nature of many markets the debtor may approach a mortgage broker or financial adviser to help them source an appropriate creditor typically by finding the most competitive loan. Recently, many US consumers (particularly higher income borrowers) are choosing to work with Certified Mortgage Planners, industry experts that work closely with Certified Financial Planners to align the home finance position(s) of homeowners with their larger financial portfolio(s).

The debt is sometimes referred to as the hypothecation, which may make use of the services of a hypothecary to assist in the hypothecation.

In addition to borrowers, lenders, government sponsored agencies, private agencies; there is also a fifth class of participants who are the source of funds - the Life Insurers, Pension Funds, etc.

Other Terminologies

Like any other legal system, the mortgage business sometimes uses confusing jargon. Below are some terms explained in brief. If a term is not explained here it may be related to the mortgage loans rather than to the legal process.

Conveyance This is the legal document that transfers ownership of unregistered land.

Disbursements These are all the fees of the solicitors and governments, such as stamp duty, land registry, search fees, etc.

Freehold This means the ownership of a property and the land.

Land Registration This is a legal document that records the ownership of a property and land. This is also known as a Title.

Leasehold This means the ownership of the property and land for a specified period, which may be sold separately from freehold, which may be owned by another person.

Legal Charge This is a legal document that records the data of the rightful owner of a property or land.

Mortgage Deed This is a legal document that stated that the lender has a legal charge over the property.

Sealing Fee This is a fee made when the lender releases the legal charge over the property.

Legal Aspects

There are essentially two types of legal mortgage.

Mortgage by demise

In a mortgage by demise, the creditor becomes the owner of the mortgaged property until the loan is repaid in full (known as "redemption"). This kind of mortgage takes the form of a conveyance of the property to the creditor, with a condition that the property will be returned on redemption.

This is an older form of legal mortgage and is less common than a mortgage by legal charge. It is no longer available in the UK, by virtue of the Land Registration Act 2002.

Mortgage by legal charge

In a mortgage by legal charge, the debtor remains the legal owner of the property, but the creditor gains sufficient rights over it to enable them to enforce their security, such as a right to take possession of the property or sell it.

To protect the lender, a mortgage by legal charge is usually recorded in a public register. Since mortgage debt is often the largest debt owed by the debtor, banks and other mortgage lenders run title searches of the real property to make certain that there are no mortgages already registered on the debtor's property which might have higher priority. Tax liens, in some cases, will come ahead of mortgages. For this reason, if a borrower has delinquent property taxes, the bank will often pay them to prevent the lienholder from foreclosing and wiping out the mortgage.

This type of mortgage is common in the United States and, since 1925, it has been the usual form of mortgage in England and Wales (it is now the only form - see above).

In Scotland, the mortgage by legal charge is also known as standard security.

* See also: Security interests - types of security

History

At common law, a mortgage was a conveyance of land that on its face was absolute and conveyed a fee simple estate, but which was in fact conditional, and would be of no effect if certain conditions were not met --- usually, but not necessarily, the repayment of a debt to the original landowner. Hence the word "mortgage," Law French for "dead pledge;" that is, it was absolute in form, and unlike a "live gage", was not conditionally dependent on its repayment solely from raising and selling crops or livestock, or of simply giving the fruits of crops and livestock coming from the land that was mortgaged. The mortgage debt remained in effect whether or not the land could successfully produce enough income to repay the debt. In theory, a mortgage required no further steps to be taken by the creditor, such as acceptance of crops and livestock, for repayment.

The difficulty with this arrangement was that the lender was absolute owner of the property and could sell it, or refuse to reconvey it to the borrower, who was in a weak position. Increasingly the courts of equity began to protect the borrower's interests, so that a borrower came to have an absolute right to insist on reconveyance on redemption. This right of the borrower is known as the "equity of redemption".

This arrangement, whereby the mortgagee (the lender) was on theory the absolute owner, but in practice had few of the practical rights of ownership, was seen in many jurisdictions as being awkwardly artificial. By statute the common law position was altered so that the mortgagor would retain ownership, but the mortgagee's rights, such as foreclosure, the power of sale and the right to take possession would be protected.

In the United States, those states that have reformed the nature of mortgages in this way are known as lien states. A similar effect was achieved in England and Wales by the Law of Property Act 1925, which abolished mortgages by the conveyance of a fee simple.

Foreclosure and non-recourse lending

In most jurisdictions, a lender may foreclose the mortgaged property if certain conditions - principally, non-payment of the mortgage loan - apply. Subject to local legal requirements, the property may then be sold. Any amounts received from the sale (net of costs) are applied to the original debt. In some jurisdictions, mortgage loans are non-recourse loans: if the funds recouped from sale of the mortgaged property are insufficient to cover the outstanding debt, the lender may not have recourse to the borrower after foreclosure. In other jurisdictions, the borrower remains responsible for any remaining debt. In virtually all jurisdictions, specific procedures for foreclosure and sale of the mortgaged property apply, and may be tightly regulated by the relevant government; in some jurisdictions, foreclosure and sale can occur quite rapidly, while in others, foreclosure may take many months or even years. In many countries, the ability of lenders to foreclose is extremely limited, and mortgage market development has been notably slower.

Mortgages in the United States

Types of Mortgage Instruments

Two types of mortgage instruments are used in the United States: the mortgage (sometimes called a mortgage deed) and the deed of trust.

The mortgage

In all but a few states, a mortgage creates a lien on the title to the mortgaged property. Foreclosure of that lien almost always requires a judicial proceeding declaring the debt to be due and in default and ordering a sale of the property to pay the debt.

The deed of trust

The deed of trust is a deed by the borrower to a trustee for the purposes of securing a debt. In most states, it also merely creates a lien on the title and not a title transfer, regardless of its terms. It differs from a mortgage in that, in many states, it can be foreclosed by a non-judicial sale held by the trustee. It is also possible to foreclose them through a judicial proceeding.

Most "mortgages" in California are actually deeds of trust. The effective difference is that the foreclosure process can be much faster for a deed of trust than for a mortgage, on the order of 3 months rather than a year. Because the foreclosure does not require actions by the court the transaction costs can be quite a bit less.

Deeds of trust to secure repayments of debts should not be confused with trust instruments that are sometimes called deeds of trust but that are used to create trusts for other purposes, such as estate planning. Though there are superficial similarities in the form, many states hold deeds of trust to secure repayment of debts do not create true trust arrangements.

Mortgage lien priority

Except in those few states in the United States that adhere to the title theory of mortgages,[1] either a mortgage or a deed of trust will create a mortgage lien upon the title to the real property being mortgaged. The lien is said to "attach" to the title when the mortgage is signed by the mortgagor and delivered to the mortgagee and the mortgagor receives the funds whose repayment the mortgage secures. Subject to the requirements of the recording laws of the state in which the land is located, this attachment establishes the priority of the mortgage lien with respect to other liens on the property's title.[2] Liens that have attached to the title before the mortgage lien are said to be senior to, or prior to, the mortgage lien. Those attaching afterward are said to be junior or subordinate.[3] The purpose of this priority is to establish the order in which lien holders are entitled to foreclose their liens in an attempt to recover their debts. If there are multiple mortgage liens on the title to a property and the loan secured by a first mortgage is paid off, the second mortgage lien will move up in priority and become the new first mortgage lien on the title. Documenting this new priority arrangement will require the release of the mortgage securing the paid off loan.

See also

Related to South Africa

* Bond (SA) - a term loosely, but interchangeabley used for "home loan" or "mortgage" in South Africa. Thus, one can say one is looking for a "bond" for ones house, when one is looking for a residential mortgage.

Legal details

* Deed - legal aspects
* Mechanics lien - a legal concept
* Perfection - applicable legal filing requirements

References

1. ^ See, R. Kratovil and R. Werner Modern Mortgage Law and Practice Sec. 1.6 (2nd Ed. Prentice-Hall, Inc. 1981)
2. ^ The failure to record a previously made mortgage may, under some circumstances, allow a subsequent mortgagee's mortgage to be recognized as prior in right to the otherwise prior mortgage.
3. ^ Of course, the lienholders can agree among themselves to a different priority arrangement through [[subordination (finance)|subordination arrangements. See, R. Kratovil and R. Werner Modern Mortgage Law and Practice Chs. 30 & 38 (2nd Ed. Prentice-Hall, Inc.)

This entry is from Wikipedia, the leading user-contributed encyclopedia. It may not have been reviewed by professional editors (see full disclaimer)

Donate to Wikimedia
Misspellings
Back to Top

Home > Library > Words > Common Misspellings
mortgage

Common misspelling(s) of mortgage

* morgage

Translations
Back to Top

Home > Library > Words > Translations
Translations for: Mortgage

Dansk (Danish)
n. - pant, pantebrev, panterettighed
v. tr. - belåne, optage prioritetslån i

Nederlands (Dutch)
hypotheek, hypothecair, hypotheek nemen op

Français (French)
n. - (Fin, Jur) hypothèque, gage immobilier, nantissement
v. tr. - hypothéquer, grever, engager, mettre en gage

Deutsch (German)
n. - Hypothek
v. - mit einer Hypothek belasten

Ελληνική (Greek)
n. - (νομ.) υποθήκη
v. - υποθηκεύω

Italiano (Italian)
ipoteca, ipotecario

Português (Portuguese)
n. - hipoteca (f)
v. - hipotecar

Русский (Russian)
заклад, ипотека, закладная, закладывать, ручаться

Español (Spanish)
n. - hipoteca, hipotecario
v. tr. - hipotecar

Svenska (Swedish)
n. - inteckning, lån
v. - inteckna, lova bort

中文（简体） (Chinese (Simplified))
抵押, 精神负担, 义务, 使有义务, 献身于

中文（繁體） (Chinese (Traditional))
n. - 抵押, 精神負擔, 義務
v. tr. - 抵押, 使有義務, 獻身於

한국어 (Korean)
n. - 저당[권]
v. tr. - 저당 잡히다, 헌신하다

日本語 (Japanese)
n. - 抵当, 抵当に入れること, 抵当権, 抵当証書
v. - 抵当に入れる, 投げ出してかかる, 賭ける

العربيه (Arabic)
‏(الاسم) رهن (فعل) يرهن‏

עברית (Hebrew)
n. - ‮משכנתה, חוב הנשען על משכנתה‬
v. tr. - ‮משכן‬

If you are unable to view some languages clearly, click here.

To select your translation preferences click here.

Best of the Web
Back to Top

Some good "mortgage" pages on the web:

How?
money.howstuffworks.com

Shopping
Back to Top

mortgage mortgage protection
reverse mortgage mortgage qualifier plus

Join the WikiAnswers Q&A community. Post a question or answer questions about "mortgage" at WikiAnswers.

Copyrights:
Dictionary definition of mortgage
The American Heritage® Dictionary of the English Language, Fourth Edition Copyright © 2007, 2000 by Houghton Mifflin Company. Updated in 2007. Published by Houghton Mifflin Company. All rights reserved. More from Dictionary
Investment Dictionary definition of mortgage
Copyright ©2000, Investopedia.com - Owned and Operated by Investopedia Inc. All rights reserved. More from Investment Dictionary
Banking Dictionary definition of mortgage
Dictionary of Banking Terms. Copyright © 2006 by Barron's Educational Series, Inc. All rights reserved. More from Banking Dictionary
Real Estate Dictionary definition of mortgage
Dictionary of Real Estate Terms. Copyright © 2004 by Barron's Educational Series, Inc. All rights reserved. More from Real Estate Dictionary
Thesaurus synonyms of mortgage
Roget's II: The New Thesaurus, Third Edition by the Editors of the American Heritage® Dictionary Copyright © 1995 by Houghton Mifflin Company. Published by Houghton Mifflin Company. All rights reserved. More from Thesaurus
Dental Dictionary definition of mortgage
Mosby's Dental Dictionary. Copyright © 2004 by Elsevier, Inc. All rights reserved. More from Dental Dictionary
Britannica Concise Encyclopedia information about mortgage
Britannica Concise Encyclopedia. © 2006 Encyclopædia Britannica, Inc. All rights reserved. More from Britannica Concise Encyclopedia
Architecture information about mortgage
McGraw-Hill Dictionary of Architecture and Construction. Copyright © 2003 by McGraw-Hill Companies, Inc. All rights reserved. More from Architecture
Columbia Encyclopedia information about mortgage
The Columbia Electronic Encyclopedia, Sixth Edition Copyright © 2003, Columbia University Press. Licensed from Columbia University Press. All rights reserved. www.cc.columbia.edu/cu/cup/ More from Columbia Encyclopedia
Law Encyclopedia information about mortgage
West's Encyclopedia of American Law. Copyright © 1998 by The Gale Group, Inc. All rights reserved. More from Law Encyclopedia
Economics Dictionary definition of mortgage
The New Dictionary of Cultural Literacy, Third Edition Edited by E.D. Hirsch, Jr., Joseph F. Kett, and James Trefil. Copyright © 2002 by Houghton Mifflin Company. Published by Houghton Mifflin. All rights reserved. More from Economics Dictionary
Word Tutor information about mortgage
Copyright © 2004-present by eSpindle Learning, a 501(c) nonprofit organization. All rights reserved.
eSpindle provides personalized spelling and vocabulary tutoring online; free trial. More from Word Tutor
Answers Corporation Blogs information about mortgage
© 1999-2007 by Answers Corporation. All rights reserved. More from Blogs
Wikipedia information about mortgage
This article is licensed under the GNU Free Documentation License. It uses material from the Wikipedia article "Mortgage". More from Wikipedia
Answers Corporation Misspellings information about mortgage
© 1999-2007 by Answers Corporation. All rights reserved. More from Misspellings
Translations for mortgage
Copyright © 2007, WizCom Technologies Ltd. All rights reserved. More from Translations

On this page: E-mailE-mail print Print Link itibank Cash Loans
Easy repayment, No Guarantors Up to Rs10 lacs in 48 hrs. Apply!
www.citibank.com/india

What's ailing the market?
A simple overview of the financial market for the investors.
www.bestwaytoinvest.com/

Property Loans @ LoanWala
Get Instant Home Loan Deals - Fill A Short From On Our Loan Site
Delhi.Loanwala.Com/ApplyNow

Mobile home loans
Looking for Mobile home loans? Find exactly what you want today..
www.luk-moo.com/Mobile+home+loans

ICICI Bank Business Loan
Collateral Free Business Loans Upto 25 Lacs. Faster Sanction. Apply Now
SME.ICICIbank.com

Bad Credit Mortgage Info
Find Bad Credit Mortgage Sites Browse Information & Services
OnlineMortgagePro.info

Mobile Home Loans
Looking for Mobile Home Loans? Review by our Expert. Go Now!
www.nook-nan.com/Mobile+Home+Loans

Grow Business & Get Leads
Offer Mortgage leads at competitive prices & Customer services.
www.livemortgagetransfers.com

UK Self Cert Mortgages
No Broker Fees, full market access Instant decisions, arrears CCJ's.
www.uk-self-cert.co.uk

About these ads:
These ads about California Mortgage Refinancing are related to your search for top 100 mortgage refinancing companies.
The links in these ads are administered and maintained by Google.

Property Loans @ LoanWala
Get Instant Home Loan Deals - Fill A Short From On Our Loan Site
Hyderabad.Loanwala.Com/ApplyNow

Brisbane Property Finance
We arrange mortgages in Australia for overseas property buyers.
www.ProperFinance.com.au

New Zealand Home Loans
Coming Home? Need a home loan? Debt free faster No Fees Contact Us
nzhomeloans.co.nz

Gold Never Loses Value
Just like LIC's New Bima Gold Get Money Back after every 4 years
www.licindia.com

Margill Loan Manager
PC sofware to manage 10 to 4000 simple and complex loans / clients
www.margill.com/Loan Manager

What's ailing the market?
A simple overview of the financial market for the investors.
www.bestwaytoinvest.com/

HDFC Bank Personal Loans
Speedy loan approval, Flexible Repayment Options, Easy EMIs. Apply
HDFCBank.com/Personalloans

Get-Easy Loan
Upto Rs 10 Lakhs in 48 hours Quick & Easy, Good interest rates
www.get-easyloans.com

Refinance mortgage
Tell us about your Loan Requirement Get SMS from Major Banks. Apply
HomeLoan.Deal4Loans.comUICKEN LOANS/ROCK FINANCIAL RANKED IN "TOP 20" OF FORTUNE'S "100 BEST COMPANIES TO WORK FOR" LIST FOR THE 4th CONSECUTIVE YEAR

Ranked #9 for medium-sized companies, #17 overall; highest ranking Michigan-based Company; makes "most unusual perks" list.

LIVONIA, Mich., Jan. 8, 2007 — Quicken Loans Inc has been ranked in the "Top 20" on FORTUNE Magazine's list of the "100 Best Companies to Work For" list for the fourth consecutive year. The company is ranked #9 on the list of medium-sized companies, #17 overall, and also was cited on a list of companies with the "most unusual perks."

Quicken Loans Inc consists of Quicken Loans, the nation's largest online retail mortgage lender; Rock Financial, Michigan's largest mortgage company; and Title Source, a national title and settlement services company.

Of the 1,500 companies that requested to be considered, 446 companies were invited to participate in the process this year. "The 100 Best Companies to Work For" list is compiled for FORTUNE by Robert Levering and Milton Moskowitz of the Great Place to Work Institute in San Francisco, based on two criteria: an evaluation of the policies and culture of each company, and the opinions of the company's employees.

Two-thirds of the total score comes from employee responses to a 57-question survey which goes to a minimum of 400 randomly selected employees. The survey asks about attitudes towards management, job satisfaction, and camaraderie within the organization. The remainder of the score is based on an evaluation of each company's demographic makeup, pay and benefits programs, and culture.

Entrepreneurial Culture.

"The key to success for any organization is not just in hiring great people, but in creating an entrepreneurial culture that encourages and rewards them for thinking big and acting on these great ideas," said Dan Gilbert, founder and chairman of Quicken Loans/Rock Financial.

"This award really comes from our employees as two-thirds of the FORTUNE score is based on their survey responses. Our people enjoy working here because we've created a unique culture that is based on trust and empowerment," he continued.

"We encourage our team members to have a high level of awareness and take initiative when they come up with new ideas or notice something that can be improved or fixed. You have to empower people to take action, which means trusting them to make the right decisions," Gilbert concluded.

Quicken Loans/Rock Financial has created a culture that provides opportunities for employees to develop and grow, and rewards them for performance. The company has attracted exceptional people who've created innovative mortgage programs, streamlined the mortgage process, developed unique technology, and delivered superb client service.

The result has been record growth in a year that saw most mortgage lenders downsizing. In contrast, the company grew its closed loan volume another $2 billion to nearly $18 billion in residential mortgage volume closed in 2006 and added 600 new positions. The company opened an Internet Home Lending Center in Cleveland, Ohio, in March 2006, and another this month in North Scottsdale, Ariz.

As Quicken Loans/Rock Financial continues to grow - it is now hiring nearly 200 new team members each month - both Gilbert and CEO Bill Emerson believe maintaining the culture is their most important responsibility. As part of an extensive, three-day orientation process held monthly, Gilbert spends an entire day discussing the company's philosophies, known as "ISMS" and Emerson drives home the importance of communication and doing the right thing.

"Spending this time with all our new team members during their first few days here is extremely important and ensures they understand and embrace our 'ISMS'," said Emerson. "This helps them know who we are and what we stand for, so they can make the right decisions going forward."

As part of the selection process, FORTUNE also evaluates each company's pay and benefits, recognition and reward programs, and opportunities for camaraderie and fun.

Compensation and benefits. The company's results-based compensation plan includes a generous performance-based pay and annual bonus plan, spot bonuses and more. In addition to tuition assistance, the company offers unique benefits such as leadership training which includes a SWAT-type obstacle course, and empowerment training in which family members are encouraged to participate.

Family-focused benefits include discounted home loans, interest-free computer loans, Internet and gym reimbursement, and a scholarship program for team members' children. Emerson also sends hand-signed birthday cards to all team members, and cards and gift certificates to their children on their birthdays.

Awards and recognition. Several times each year, employees have opportunities to win trips, such as last year's four-day cruise to the Bahamas for 600 people. Top employees and teams receive golden statuettes in recognition for a job well done at an annual black-tie awards ceremony similar to the Oscars.

Founder Gilbert also is majority owner of the NBA's Cleveland Cavaliers and employees are invited to attend several Cavs home games each year. The trips include transportation, tickets, team merchandise and overnight accommodations. Rock Financial, the company's branch system in Michigan, is Presenting Sponsor of the NBA's Detroit Pistons and employees also attend Pistons games.

Motivational guest speakers at the annual "All Employee Meeting," held at Detroit's historic Fox Theater, range from this year's Mark Cuban, owner of the NBA's Dallas Mavericks, to Anthony Robbins and author Mort Crim.

Other fun and family-focused perks. FORTUNE also named Quicken Loans/Rock Financial to the list of most unusual perks. The company's annual gala holiday party features headline entertainment, such as this year's performance by Kid Rock. Last year's 20th Anniversary Celebration featured The Black-Eyed Peas, with the company's in-house rock band "The Loaners" as opening act. The band plays company events and has been a finalist in FORTUNE's "Battle of the Corporate Bands" the last two years.

Fun isn't limited to a few special events each month, but instead part of the daily life, beginning with a workplace where walls are painted in vibrant shades of blue, orange, purple and green. The lobby of the Cleveland Internet Home Lending Center has wood floors painted like a basketball court.

Free popcorn, slushies and cappuccinos are available all day in the "Soft Rock Café" employee lounges located on each floor. CEO Emerson regularly awards tickets to concerts and sporting events over the company's PA system, and there are daily contests and activities.

"Our people are the key to our growth and success. Every single person here makes a difference. It's important to recognize them for the contributions they make and to create an environment they enjoy being a part of each day. These are just a few of the ways we've found to express our appreciation for the many things they do on behalf of the company and our clients," Emerson concluded.

For more information about careers with Quicken Loans or Rock Financial, visit www.Quickenloanscareers.com.

The Top 100 Most Innovative Companies Ranking

The World's Most Innovative Companies
2006 Rank Company Margin Growth
1995-2005
% Stock Returns
1995-2005
%
1 Apple 7.1 24.6
2 Google NA** NA**
3 3M 3.4 11.2
4 Toyota 10.7 11.8
5 Microsoft 2.0 18.5
6 General Electric 5.7 13.4
7 Procter & Gamble 4.4 12.6
8 Nokia 0.0 34.6
9 Starbucks 2.2 27.6
10 IBM -0.7 14.4
11 Virgin NA** NA**
12 Samsung -4.5*** 22.7
13 Sony -11.0 5.1
14 Dell 2.0 39.4
15 IDEO NA** NA**
16 BMW 9.1 14.2
17 Intel -0.3 13.8
18 eBay 13.0*** NA**
19 IKEA NA** NA**
20 Wal-Mart 1.9 16.2
21 Amazon 25.0*** NA**
22 Target 7.4 25.2
23 Honda 8.0 12.9
24 Research In Motion 57.0*** NA**
25 Southwest -0.1 13.9
26 Porsche NA** 33.1
27 Genentech 5.7 29.3
28 Cisco -2.2 15.2
29 Nike 0.0 10.7
30 Motorola 0.7 3.8
31 DaimlerChrysler 4.8*** -1.8
32 Infosys 3.0*** 73.6
33 Ryanair 2.7 28.4
34 Pixar 24.2 13.8
35 SonyEricsson NA** NA**
36 Whole Foods 4.1 36.6
37 Capital One -2.1 27.4
38 Tesco -0.3 16.2
39 Danone 4.7 13.3
40 BP -0.2 12.3
41 PepsiCo 4.9 10.2
42 Hewlett Packard -6.6 7.1
43 Disney -3.7 2.9
44 jetBlue NA** 0.9
45 W.L. Gore & Associates NA** NA**
46 Skype Technologies NA** NA**
47 FedEx 4.3 18.9
48 Bang & Olufsen 2.4 16.3
49 Renault 23.7 14.8
50 L'Oreal 2.3 14.2
51 ExxonMobil 5.8 13.6
52 Siemens 2.0*** 12.6
53 Johnson & Johnson 3.6 12.6
54 Shell 2.4 11.0
55 Pfizer 1.8 9.9
56 Singapore Airlines -5.8 7.7
57 Nissan 30.2 5.4
58 DuPont -1.8 4.9
59 Zara NA** NA**
60 TiVo NA** -24.6
61 Yahoo! NA** 42.9
62 Macquarie Bank NA** 35.0
63 Audi 9.2 30.1
64 Harley Davidson 7.1 22.3
65 Progressive Insurance 1.1 22.0
66 Volvo -2.7 17.1
67 Philips Electronics 3*** 16.2
68 ING Bank 3.0 15.7
69 Nestle 1.2*** 13.9
70 Boeing 0.1 7.6
71 Matsushita Electric Industrial -1.4 3.9
72 easyJet 0.0*** 3.7
73 UPS 3.4 3.6
74 Coca-Cola 1.3 2.4
75 Cirque du Soleil (tied) NA** NA**
75 McKinsey (tied) NA** NA**
75 Woolworths (tied) 5.6*** NA**
78 Hutchison Telecommunications NA** 88.1
79 Salesforce.com NA** 58.4
80 ACS NA** 35.1
81 ITC NA** 25.4
82 Time Warner 8.1 22.3
83 Danaher 2.7 21.7
84 Costco Wholesale 1.7 20.7
85 LG Electronics NA** 19.1
86 bankinter NA** 18.3
87 Amgen -0.3 18.2
88 Caterpillar 0.3 17.5
89 Accenture NA** 16.3
90 SAP 1.3 15.7
91 SK Telecom 1.5 15.7
92 Home Depot 4.3 14.9
93 LVMH -2.6*** 12.3
94 Gap -1.7 11.6
95 Unilever 5.0*** 11.2
96 Goldman Sachs -4.9*** 10.9
97 John Deere & Co. -1.1 8.9
98 Whirlpool 2.0 7.2
99 Entel NA** 6.2
100 McDonald's -2.4 5.2

* Insufficient data
** Based on fewer than 10 years of data
2006 RANK: In the 2006 rankings, we broke ties by comparing 10-year annualized total shareholder returns between 1995 and 2005. In ties between a public and a private company, the public company was favored.
MARGIN GROWTH: Annualized based on 1995-2005 fiscal year earnings before interest and taxes as percent of revenues.
STOCK RETURNS: Annualized, Dec. 29, 1995 to Dec. 30, 2005, price appreciation and dividends.
DATA: Analysis and data provided in collaboration with the innovation practice of The Boston Consulting Group. Also, Standard & Poor’s Compustat® data and company reports.

BW MALL SPONSORED LINKS

* Richardson's Online Sales & Service Training Fast. Easy. Effective. Improve the selling skills of your team with Richardson’s on-demand eLearning
* Manage & Share Large Files Online-Free Trial Don't struggle with email attachment delivery failures. Try Xythos on Demand today. Free Trial.
* Create, Send & Track Email Newsletters In Minutes! Use pre-designed layouts or your own HTML to create email newsletters in minutes. Free test drive!
* SAP GRC Process Control Learn How SAP for Governance, Risk Compliance Promotes Viability. Free Case Study!
* Get a Dell Vostro 1400 notebook With advanced wireless options for full mobile connectivity. Featured at $699. Limited time offer.

Buy a link now!

Get BusinessWeek directly on your desktop with our RSS feeds.XML

Add BusinessWeek news to your Web site with our headline feed.

Click to buy an e-print or reprint of a BusinessWeek or BusinessWeek Online story or video.

To subscribe online to BusinessWeek magazine, please click here.

mortgage refinancing

Wednesday, September 12, 2007

home refiance

refiance home loan

Sponsored Listings

Countrywide® Home Loans

Home Loan Refinance

Refinance Home Mortgage

Mortgage Loan

Refinancing Home

Sponsored Listings

Sunday, September 9, 2007

mortgage refinancing

mortgage refinancing

mortgage refinancing

About Me

Previous Posts

Archives