Refinance Mortgage - Forbes.com - Mortgage Refinancing

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200,000</option> <option value="205000">200,001 - 210,000</option> <option value="215000">210,001 - 220,000</option> <option value="225000">220,001 - 230,000</option> <option value="235000">230,001 - 240,000</option> <option value="245000">240,001 - 250,000</option> <option value="255000">250,001 - 260,000</option> <option value="265000">260,001 - 270,000</option> <option value="275000">270,001 - 280,000</option> <option value="285000">280,001 - 290,000</option> <option value="295000">290,001 - 300,000</option> <option value="305000">300,001 - 310,000</option> <option value="315000">310,001 - 320,000</option> <option value="325000">320,001 - 330,000</option> <option value="335000">330,001 - 340,000</option> <option value="345000">340,001 - 350,000</option> <option value="355000">350,001 - 360,000</option> <option value="365000">360,001 - 370,000</option> <option value="375000">370,001 - 380,000</option> <option value="385000">380,001 - 390,000</option> <option value="395000">390,001 - 400,000</option> <option value="410000">400,001 - 420,000</option> <option value="430000">420,001 - 440,000</option> <option value="450000">440,001 - 460,000</option> <option value="470000">460,001 - 480,000</option> <option value="490000">480,001 - 500,000</option> <option value="510000">500,001 - 520,000</option> <option value="530000">520,001 - 540,000</option> <option value="550000">540,001 - 560,000</option> <option value="570000">560,001 - 580,000</option> <option value="590000">580,001 - 600,000</option> <option value="610000">600,001 - 620,000</option> <option value="630000">620,001 - 640,000</option> <option value="650000">640,001 - 660,000</option> <option value="670000">660,001 - 680,000</option> <option value="690000">680,001 - 700,000</option> <option value="710000">700,001 - 720,000</option> <option value="730000">720,001 - 740,000</option> <option value="750000">740,001 - 760,000</option> <option value="770000">760,001 - 780,000</option> <option value="790000">780,001 - 800,000</option> <option value="810000">800,001 - 820,000</option> <option value="830000">820,001 - 840,000</option> <option value="850000">840,001 - 860,000</option> <option value="870000">860,001 - 880,000</option> <option value="890000">880,001 - 900,000</option> <option value="910000">900,001 - 920,000</option> <option value="930000">920,001 - 940,000</option> <option value="950000">940,001 - 960,000</option> <option value="970000">960,001 - 980,000</option> <option value="990000">980,001 - 1,000,000</option> <option value="1250000">1,000,000+</option> <option value="1750000">1,500,000+</option> <option value="2250000">2,000,000+</option> </select> </td> </tr> </table></td> </tr> <tr> <td>  <table width="100%" border="0" cellpadding="0" cellspacing="0" id="GEN_MORT"> <tr> <td class="SectionHeader">Tell Us About Your Current Loan</td> </tr> <tr> <td><table width="100%" border="0" cellpadding="0" cellspacing="0"> <tr> <td class="FormShortField"><p>Your Mortgage Balance <span class="RequiredBullet"> *</span><br>$ <select name="BAL_ONE" id="select4"> <option value="" selected>Select One</option> <option value="0">0</option> <option value="2500">1 - 5,000</option> <option value="7500">5,001 - 10,000</option> <option value="12500">10,001 - 15,000</option> <option value="17500">15,001 - 20,000</option> <option value="22500">20,001 - 25,000</option> <option value="27500">25,001 - 30,000</option> <option value="32500">30,001 - 35,000</option> <option value="37500">35,001 - 40,000</option> <option value="42500">40,001 - 45,000</option> <option value="47500">45,001 - 50,000</option> <option value="52500">50,001 - 55,000</option> <option value="57500">55,001 - 60,000</option> <option value="62500">60,001 - 65,000</option> <option value="67500">65,001 - 70,000</option> <option value="72500">70,001 - 75,000</option> <option value="77500">75,001 - 80,000</option> <option value="82500">80,001 - 85,000</option> <option value="87500">85,001 - 90,000</option> <option value="92500">90,001 - 95,000</option> <option value="97500">95,001 - 100,000</option> <option value="102500">100,001 - 105,000</option> <option value="107500">105,001 - 110,000</option> <option value="112500">110,001 - 115,000</option> <option value="117500">115,001 - 120,000</option> <option value="122500">120,001 - 125,000</option> <option value="127500">125,001 - 130,000</option> <option value="132500">130,001 - 135,000</option> <option value="137500">135,001 - 140,000</option> <option value="142500">140,001 - 145,000</option> <option value="147500">145,001 - 150,000</option> <option value="152500">150,001 - 155,000</option> <option value="157500">155,001 - 160,000</option> <option value="162500">160,001 - 165,000</option> <option value="167500">165,001 - 170,000</option> <option value="172500">170,001 - 175,000</option> <option value="177500">175,001 - 180,000</option> <option value="182500">180,001 - 185,000</option> <option value="187500">185,001 - 190,000</option> <option value="192500">190,001 - 195,000</option> <option value="197500">195,001 - 200,000</option> <option value="205000">200,001 - 210,000</option> <option value="215000">210,001 - 220,000</option> <option value="225000">220,001 - 230,000</option> <option value="235000">230,001 - 240,000</option> <option value="245000">240,001 - 250,000</option> <option value="255000">250,001 - 260,000</option> <option value="265000">260,001 - 270,000</option> <option value="275000">270,001 - 280,000</option> <option value="285000">280,001 - 290,000</option> <option value="295000">290,001 - 300,000</option> <option value="305000">300,001 - 310,000</option> <option value="315000">310,001 - 320,000</option> <option value="325000">320,001 - 330,000</option> <option value="335000">330,001 - 340,000</option> <option value="345000">340,001 - 350,000</option> <option value="355000">350,001 - 360,000</option> <option value="365000">360,001 - 370,000</option> <option value="375000">370,001 - 380,000</option> <option value="385000">380,001 - 390,000</option> <option value="395000">390,001 - 400,000</option> <option value="410000">400,001 - 420,000</option> <option value="430000">420,001 - 440,000</option> <option value="450000">440,001 - 460,000</option> <option value="470000">460,001 - 480,000</option> <option value="490000">480,001 - 500,000</option> <option value="510000">500,001 - 520,000</option> <option value="530000">520,001 - 540,000</option> <option value="550000">540,001 - 560,000</option> <option value="570000">560,001 - 580,000</option> <option value="590000">580,001 - 600,000</option> <option value="610000">600,001 - 620,000</option> <option value="630000">620,001 - 640,000</option> <option value="650000">640,001 - 660,000</option> <option value="670000">660,001 - 680,000</option> <option value="690000">680,001 - 700,000</option> <option value="710000">700,001 - 720,000</option> <option value="730000">720,001 - 740,000</option> <option value="750000">740,001 - 760,000</option> <option value="770000">760,001 - 780,000</option> <option value="790000">780,001 - 800,000</option> <option value="810000">800,001 - 820,000</option> <option value="830000">820,001 - 840,000</option> <option value="850000">840,001 - 860,000</option> <option value="870000">860,001 - 880,000</option> <option value="890000">880,001 - 900,000</option> <option value="910000">900,001 - 920,000</option> <option value="930000">920,001 - 940,000</option> <option value="950000">940,001 - 960,000</option> <option value="970000">960,001 - 980,000</option> <option value="990000">980,001 - 1,000,000</option> <option value="1250000">1,000,000+</option> <option value="1750000">1,500,000+</option> <option value="2250000">2,000,000+</option> </select> </td> <td class="FormShortField">Current Interest Rate <span class="RequiredBullet"> *</span><br> <select name="MTG_ONE_INT" id="select5"> <option value="" selected>Select</option> <option value="3">3.00</option> <option value="3.25">3.25</option> <option value="3.5">3.50</option> <option value="3.75">3.75</option> <option value="4">4.00</option> <option value="4.25">4.25</option> <option value="4.5">4.50</option> <option value="4.75">4.75</option> <option value="5">5.00</option> <option value="5.25">5.25</option> <option value="5.5">5.50</option> <option value="5.75">5.75</option> <option value="6">6.00</option> <option value="6.25">6.25</option> <option value="6.5">6.50</option> <option value="6.75">6.75</option> <option value="7">7.00</option> <option value="7.25">7.25</option> <option value="7.5">7.50</option> <option value="7.75">7.75</option> <option value="8">8.00</option> <option value="8.25">8.25</option> <option value="8.5">8.50</option> <option value="8.75">8.75</option> <option value="9">9.00</option> <option value="9.25">9.25</option> <option value="9.5">9.50</option> <option value="9.75">9.75</option> <option value="10">10.00</option> <option value="10.25">10.25</option> <option value="10.5">10.50</option> <option value="10.75">10.75</option> <option value="11">11+</option> </select>% </td> <td class="FormShortField">Existing Rate Type <span class="RequiredBullet"> *</span><br> <select name="LOAN_TYPE"> <option selected value="FIXED">Fixed</option> <option value="ADJUSTABLE">Adjustable</option> <option value="FIXED_OR_ADJUSTABLE">Fixed/Adj</option> </select> </td> </tr> </table> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td class="FormShortField">How Much Additional Cash do You Wish to Borrow?<br>$ <input name="ADD_CASH" type="text" value=""> </td> </tr> </table> </td> </tr> </table>   <table width="100%" border="0" cellpadding="0" cellspacing="0" id="NEWHOME"> <tr> <td class="SectionHeader">Tell Us about Your Home Purchase</td> </tr> <tr> <td> <table width="100%" border="0" cellpadding="0" cellspacing="0"> <tr> <td class="FormShortField">Is there a Specific Home You Want to Buy? <span class="RequiredBullet"> *</span><br><input name="SPEC_HOME" type="radio" value="Yes" checked> Yes <input name="SPEC_HOME" type="radio" value="Yes"> No</td> <td class="FormShortField">Purpose of Property <span class="RequiredBullet"> *</span><br> <select name="PROP_PURP"> <option selected value="PRIMARY">Primary</option> <option value="SECONDARY">Secondary</option> <option value="INVESTMENT">Investment</option> <option value="VACATION">Vacation</option> </select> </td> </tr> </table> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td class="FormShortField">Property State<span class="RequiredBullet"> *</span><br> <select name="PROP_ST"> <option selected value="">Select One </option> <option value="AL"> Alabama</option> <option value="AK"> Alaska</option> <option value="AZ"> Arizona</option> <option value="AR"> Arkansas</option> <option value="CA"> California</option> <option value="CO"> Colorado</option> <option value="CT"> Connecticut</option> <option value="DE"> Delaware</option> <option value="DC"> District of Columbia</option> <option value="FL"> Florida</option> <option value="GA"> Georgia</option> <option value="HI"> Hawaii</option> <option value="IA"> Iowa</option> <option value="ID"> Idaho</option> <option value="IL"> Illinois</option> <option value="IN"> Indiana</option> <option value="KS"> Kansas</option> <option value="KY"> Kentucky</option> <option value="LA"> Louisiana</option> <option value="ME"> Maine</option> <option value="MD"> Maryland</option> <option value="MA"> Massachusetts</option> <option value="MI"> Michigan</option> <option value="MN"> Minnesota</option> <option value="MO"> Missouri</option> <option value="MS"> Mississippi</option> <option value="MT"> Montana</option> <option value="NE"> Nebraska</option> <option value="NV"> Nevada</option> <option value="NH"> New Hampshire</option> <option value="NJ"> New Jersey</option> <option value="NM"> New Mexico</option> <option value="NY"> New York</option> <option value="NC"> North Carolina</option> <option value="ND"> North Dakota</option> <option value="OH"> Ohio</option> <option value="OK"> Oklahoma</option> <option value="OR"> Oregon</option> <option value="PA"> Pennsylvania</option> <option value="RI"> Rhode Island</option> <option value="SC"> South Carolina</option> <option value="SD"> South Dakota</option> <option value="TN"> Tennessee</option> <option value="TX"> Texas</option> <option value="UT"> Utah</option> <option value="VT"> Vermont</option> <option value="VA"> Virginia</option> <option value="WA"> Washington</option> <option value="WV"> West Virginia</option> <option value="WI"> Wisconsin</option> <option value="WY"> Wyoming</option> </select> </td> <td class="FormShortField">Down Payment<span class="RequiredBullet"> *</span><br><select name="DOWN_PMT" id="select45"> <option value="" selected>Select One</option> <option value="0">0</option> <option value="2500">1 - 5,000</option> <option value="7500">5,001 - 10,000</option> <option value="12500">10,001 - 15,000</option> <option value="17500">15,001 - 20,000</option> <option value="22500">20,001 - 25,000</option> <option value="27500">25,001 - 30,000</option> <option value="32500">30,001 - 35,000</option> <option value="37500">35,001 - 40,000</option> <option value="42500">40,001 - 45,000</option> <option value="47500">45,001 - 50,000</option> <option value="52500">50,001 - 55,000</option> <option value="57500">55,001 - 60,000</option> <option value="62500">60,001 - 65,000</option> <option value="67500">65,001 - 70,000</option> <option value="72500">70,001 - 75,000</option> <option value="77500">75,001 - 80,000</option> <option value="82500">80,001 - 85,000</option> <option value="87500">85,001 - 90,000</option> <option value="92500">90,001 - 95,000</option> <option value="97500">95,001 - 100,000</option> <option value="102500">100,001 - 105,000</option> <option value="107500">105,001 - 110,000</option> <option value="112500">110,001 - 115,000</option> <option value="117500">115,001 - 120,000</option> <option value="122500">120,001 - 125,000</option> <option value="127500">125,001 - 130,000</option> <option value="132500">130,001 - 135,000</option> <option value="137500">135,001 - 140,000</option> <option value="142500">140,001 - 145,000</option> <option value="147500">145,001 - 150,000</option> <option value="152500">150,001 - 155,000</option> <option value="157500">155,001 - 160,000</option> <option value="162500">160,001 - 165,000</option> <option value="167500">165,001 - 170,000</option> <option value="172500">170,001 - 175,000</option> <option value="177500">175,001 - 180,000</option> <option value="182500">180,001 - 185,000</option> <option value="187500">185,001 - 190,000</option> <option value="192500">190,001 - 195,000</option> <option value="197500">195,001 - 200,000</option> <option value="205000">200,001 - 210,000</option> <option value="215000">210,001 - 220,000</option> <option value="225000">220,001 - 230,000</option> <option value="235000">230,001 - 240,000</option> <option value="245000">240,001 - 250,000</option> <option value="255000">250,001 - 260,000</option> <option value="265000">260,001 - 270,000</option> <option value="275000">270,001 - 280,000</option> <option value="285000">280,001 - 290,000</option> <option value="295000">290,001 - 300,000</option> <option value="305000">300,001 - 310,000</option> <option value="315000">310,001 - 320,000</option> <option value="325000">320,001 - 330,000</option> <option value="335000">330,001 - 340,000</option> <option value="345000">340,001 - 350,000</option> <option value="355000">350,001 - 360,000</option> <option value="365000">360,001 - 370,000</option> <option value="375000">370,001 - 380,000</option> <option value="385000">380,001 - 390,000</option> <option value="395000">390,001 - 400,000</option> <option value="410000">400,001 - 420,000</option> <option value="430000">420,001 - 440,000</option> <option value="450000">440,001 - 460,000</option> <option value="470000">460,001 - 480,000</option> <option value="490000">480,001 - 500,000</option> <option value="510000">500,001 - 520,000</option> <option value="530000">520,001 - 540,000</option> <option value="550000">540,001 - 560,000</option> <option value="570000">560,001 - 580,000</option> <option value="590000">580,001 - 600,000</option> <option value="610000">600,001 - 620,000</option> <option value="630000">620,001 - 640,000</option> <option value="650000">640,001 - 660,000</option> <option value="670000">660,001 - 680,000</option> <option value="690000">680,001 - 700,000</option> <option value="710000">700,001 - 720,000</option> <option value="730000">720,001 - 740,000</option> <option value="750000">740,001 - 760,000</option> <option value="770000">760,001 - 780,000</option> <option value="790000">780,001 - 800,000</option> <option value="810000">800,001 - 820,000</option> <option value="830000">820,001 - 840,000</option> <option value="850000">840,001 - 860,000</option> <option value="870000">860,001 - 880,000</option> <option value="890000">880,001 - 900,000</option> <option value="910000">900,001 - 920,000</option> <option value="930000">920,001 - 940,000</option> <option value="950000">940,001 - 960,000</option> <option value="970000">960,001 - 980,000</option> <option value="990000">980,001 - 1,000,000</option> <option value="1250000">Over 1,000,000</option> </select> </td> <td class="FormShortField">Rate Type<span class="RequiredBullet"> *</span><br> <select name="LOAN_TYPE"> <option selected value="FIXED">Fixed</option> <option value="ADJUSTABLE">Adjustable</option> <option value="FIXED_OR_ADJUSTABLE">Fixed/Adj</option> </select> </td> </tr> </table> </td> </tr> </table>  </td> </tr> <tr> <td> <table width="100%" border="0" cellpadding="0" cellspacing="0"> <tr> <td class="SectionHeader"> Tell Us about Yourself</td> </tr> <tr> <td> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td class="FormShortField">Your Credit Profile<span class="RequiredBullet"> *</span><br> <select name="CRED_GRADE"> <option value="EXCELLENT">Excellent</option> <option selected value="GOOD">Good</option> <option value="FAIR">Fair</option> <option value="POOR">Poor</option> </select> </td> <td class="FormShortField">Annual Income<br> <input name="INCOME" type="text" value=""> </td> <td class="FormShortField">Occupational Status<br> <select name="OCC_STAT"> <option selected value="EMPLOYED">Employed</option> <option value="SELF_EMP">Self Employed</option> <option value="RETIRED">Retired</option> <option value="UNEMPLOYED">Unemployed</option> </select> </td> </tr> </table> <table width="100%" border="0" cellpadding="0" cellspacing="0"> <tr> <td class="FormShortField">Monthly Debt Payments<br> <select name="MIN_PAY" id="select2"> <option selected value="">Select</option> <option value="125">0-249</option> <option value="375">250-499</option> <option value="625">500-749</option> <option value="875">750-1,000</option> <option value="1250">Over 1,000</option> </select> </td> <td class="FormShortField">Have You Declared Bankruptcy?<br><select name="BKCY" id="select2"> <option selected value="NEVER">No</option> <option value="NOT_IN_7">Not in the last 7 years</option> <option value="YEARS1_2">1-2 years</option> <option value="YEARS2_5">2-5 years</option> </select> </td> </tr> </table> </td> </tr> </table> </td> </tr> <tr> <td class="SectionHeader">Your Contact Information</td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td class="FormShortField">First Name<span class="RequiredBullet"> *</span><br> <input name="FNAME" type="text" value=""> <br> </td> <td class="FormShortField">Last Name<span class="RequiredBullet"> *</span><br> <input name="LNAME" type="text" value=""> </td> <td class="FormShortField">Email<span class="RequiredBullet"> *</span><br> <input name="EMAIL" type="text" value=""> </td> </tr> <tr> <td colspan="3" class="FormShortField">Street Address<span class="RequiredBullet"> *</span><br> <input name="ADDRESS" type="text" value=""> </td> </tr> <tr> <td class="FormShortField">City<span class="RequiredBullet"> *</span><br> <input name="CITY" type="text" value=""> </td> <td class="FormShortField">State<span class="RequiredBullet"> *</span> <select name="STATE"> <option selected value="">Select One </option> <option value="AL"> Alabama</option> <option value="AK"> Alaska</option> <option value="AZ"> Arizona</option> <option value="AR"> Arkansas</option> <option value="CA"> California</option> <option value="CO"> Colorado</option> <option value="CT"> Connecticut</option> <option value="DE"> Delaware</option> <option value="DC"> District of Columbia</option> <option value="FL"> Florida</option> <option value="GA"> Georgia</option> <option value="HI"> Hawaii</option> <option value="IA"> Iowa</option> <option value="ID"> Idaho</option> <option value="IL"> Illinois</option> <option value="IN"> Indiana</option> <option value="KS"> Kansas</option> <option value="KY"> Kentucky</option> <option value="LA"> Louisiana</option> <option value="ME"> Maine</option> <option value="MD"> Maryland</option> <option value="MA"> Massachusetts</option> <option value="MI"> Michigan</option> <option value="MN"> Minnesota</option> <option value="MO"> Missouri</option> <option value="MS"> Mississippi</option> <option value="MT"> Montana</option> <option value="NE"> Nebraska</option> <option value="NV"> Nevada</option> <option value="NH"> New Hampshire</option> <option value="NJ"> New Jersey</option> <option value="NM"> New Mexico</option> <option value="NY"> New York</option> <option value="NC"> North Carolina</option> <option value="ND"> North Dakota</option> <option value="OH"> Ohio</option> <option value="OK"> Oklahoma</option> <option value="OR"> Oregon</option> <option value="PA"> Pennsylvania</option> <option value="RI"> Rhode Island</option> <option value="SC"> South Carolina</option> <option value="SD"> South Dakota</option> <option value="TN"> Tennessee</option> <option value="TX"> Texas</option> <option value="UT"> Utah</option> <option value="VT"> Vermont</option> <option value="VA"> Virginia</option> <option value="WA"> Washington</option> <option value="WV"> West Virginia</option> <option value="WI"> Wisconsin</option> <option value="WY"> Wyoming</option> </select> </td> <td class="FormShortField">Zip<span class="RequiredBullet"> *</span><br> <input name="ZIP" type="text" value=""> </td> </tr> <tr> <td class="FormShortField">Primary Phone<span class="RequiredBullet"> *</span> <input name="PRI_PHON" type="text" value=""> </td> <td class="FormShortField">Secondary Phone <input name="SEC_PHON" type="text" value=""> </td> <td class="FormShortField">Best Contact Time<span class="RequiredBullet"> *</span> <select name="PREF_CALLTIME"> <option selected value="MORNING_PRIMARY">Morning on Primary</option> <option value="MORNING_SECONDARY">Morning on Secondary</option> <option value="AFTERNOON_PRIMARY">Afternoon on Primary</option> <option value="AFTERNOON_SECONDARY">Afternoon on 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By submitting your request you agree to be contacted in accordance with Secure Rights <a href="javascript:SecureRightsPrivacy=window.open('https://web.archive.org/web/20061016092306/http://www.securerights.org/privacy.html', 'SecureRightsPrivacy', 'width=800,height=450, scrollbars', 'true');SecureRightsPrivacy.focus();">Privacy Policy</a>. <a href="javascript:SecureRightsLicense=window.open('https://web.archive.org/web/20061016092306/http://www.securerights.org/licenses.html', 'SecureRightsLicense', 'width=800,height=450, scrollbars', 'true');SecureRightsLicense.focus();">View Secure Rights licenses</a>. </div> </center></td> </tr> </table> </td> <td class="BorderRight"><img src="https://web.archive.org/web/20061016092306im_/https://www.data3001.com/images/forms/pixel_trans.gif" width="1" height="1"></td> </tr> <tr> <td><img src="https://web.archive.org/web/20061016092306im_/https://www.data3001.com/images/forms/bottom_left.gif" width="7" height="7"></td> <td class="BorderBottom"><img src="https://web.archive.org/web/20061016092306im_/https://www.data3001.com/images/forms/pixel_trans.gif" width="1" height="1"></td> <td><img src="https://web.archive.org/web/20061016092306im_/https://www.data3001.com/images/forms/bottom_right.gif" width="7" height="7"></td> </tr> </table> </form><br/> <div class="special">Paid Advertisement Article</div><br/> <h1>Get a Fresh Start When You Refinance Your Mortgage</h1> <p><span class="indent"></span>If you’re looking to optimize you monthly payments on everything from college loans to credit cards, or to stretch your income a little further each month, then it may be time to consider refinancing your mortgage plan. There are two basic ways to accomplish this. You might switch from a fixed-rate <a href="https://web.archive.org/web/20061016092306/http://www.forbes.com/home_loans.html">home loan</a>, in which the interest rate you pay doesn’t change from year to year, to an adjustable-rate loan (ARM), in which the interest rate your pay to depends on the market; or you may do the reverse and switch from adjustable to fixed-rate payments. The alternative is called a “cashout” refinance, in which your pay off all of your old loans and take out new ones. Why does this make sense? Over time, the interest you pay on the original loan gets compounded, meaning that you start to pay interest on the interest you owe. New loans can give you a fresh start. When lenders consider your morgage refinancing application, they look at factors like current balance, monthly payment and the remaining number of monthly payments over time to determine how best to work together with you. Submit the form above to acquire your own mortgage consultant to help you get started with the mortgage process and explain which is the right type of "<strong>refinance mortgage</strong>" for you.</p> <h2>Mortgage Refinancing Gives You the Power to Determine Where Your Money Goes</h2> <p><span class="indent"></span>Refinancing your mortgage can mean a number of different things depending on the results you seek. You may wish to combine your first and second mortgages into one payment to a single lender. This type of consolidation can also open up other options if you look to borrow against your home in the future. Perhaps you have a 15-year fixed rate mortgage and would like to increase your disposable income by stretching those 15 years to 30. Be aware, however, that many lenders change extra fees for early and unscheduled payments, so even if you find you have a little extra cash on hand and want to pay extra one month, you may find that there are disadvantages to doing so. In general, always ask your mortgage consultant for advice before paying anything outside of the agreed schedule; he or she will be happy to clarify. You can also refinance to consolidate other debts and pay them off and, under certain circumstances, to rid yourself of mortgage insurance completely. Though the decision to <strong>refinance mortgage</strong> is a major one, it is an excellent opportunity for homeowners to get everything they can out of their biggest investments – their homes.</p> <br/> <div class="special">^ Paid Advertisement Article ^</div> </div> </div>   <div id="rightcol"> <div>   </div> </div>  </div>   <div id="leftcol"> </div>  </div>  </div>   <div id="footer"> <div id="bottom-nav"><img src="/web/20061016092306im_/http://www.forbes.com/assets/nav/nav_bottom.gif" usemap="#footernav" alt=""/> <map name="footernav" id="footernav"> <area shape="rect" coords="6,1,69,18" href="https://web.archive.org/web/20061016092306/http://www.forbes.com/fdc/sitemap.shtml" alt="Site Map"/> <area shape="rect" coords="74,1,122,18" href="https://web.archive.org/web/20061016092306/http://www.forbes.com/fdc/help.shtml" alt="Help"/> <area shape="rect" coords="138,1,300,18" href="https://web.archive.org/web/20061016092306/http://www.forbes.com/fdc/contact.shtml" alt="Contact Forbes.com"/> <area shape="rect" coords="303,1,450,18" href="https://web.archive.org/web/20061016092306/http://www.forbes.com/forbescollection/" alt="Forbes Collection"/> <area shape="rect" coords="456,1,620,18" href="https://web.archive.org/web/20061016092306/http://www.forbes.com/conf/" alt="Forbes Conferences"/> <area shape="rect" coords="622,1,768,18" href="https://web.archive.org/web/20061016092306/http://www.forbes.com/fdc/magazines.shtml" alt="Forbes Magazines"/> </map> </div> <div id="footer-links"><a href="https://web.archive.org/web/20061016092306/http://www.forbes.com/fdc/advertise.shtml">Ad Information</a>       <a href="https://web.archive.org/web/20061016092306/http://www.forbes.com/wireless/">Forbes.com Wireless</a>       <a href="https://web.archive.org/web/20061016092306/http://www.forbes.com/fdc/reprints/Reprints.jhtml">Reprints / Permissions</a>       <a href="https://web.archive.org/web/20061016092306/http://www.forbes.com/fdc/subservices.shtml">Subscriber Services</a>       <br/> ©2004 Forbes.com™      All Rights Reserved       <a href="https://web.archive.org/web/20061016092306/http://www.forbes.com/fdc/privacy.shtml">Privacy Statement</a>       <a href="https://web.archive.org/web/20061016092306/http://www.forbes.com/fdc/terms.shtml">Terms, Conditions and Notice</a><p> </p> </div>  </div>  <script language="javascript"> var dom=document.domain; var page=document.location.pathname; var uagent=navigator.userAgent; var refer=document.referrer; var info; info = "https://web.archive.org/web/20061016092306/http://www.logdelivery.com/rawlog.asp?dm="+dom+"&pg="+escape(page)+"&ua="+escape(uagent)+"&ref="+escape(refer)+"&ty="+"&am="; document.write("<img width=1 height=1 src='" + info + "'>"); </script> <noscript><a href="https://web.archive.org/web/20061016092306/http://www.logdelivery.com/" target="_blank"><img src="https://web.archive.org/web/20061016092306im_/http://www.logdelivery.com/rawlog.asp?dm=www.forbes.com&pg=refinance_mortgage.html" border="0"></a> </noscript> </body> </html>

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