10 week old pavlov abandoned with his dapper sweater, trying his best to keep a 'brave face'

Have you been thinking maybe now's the time to refinance your ARM mortgage? If the interest rate on your mortgage is due to adjust soon, then you should think about whether it's time to get a new fixed rate refinance mortgage.

A lot of homebuyers initially took out an adjustable rate mortgage on their home because the interest rates were low in the beginning of the loan. However, every adjustable rate mortgage adjusts sooner or later. It could make financial sense for you to look at a fixed rate refinance mortgage with a low locked in interest rate.

A fixed rate loan would protect you against higher payments in the future. If you plan to own your home for long time this can be an important advantage.

Getting cash out of your home is another popular reason for refinancing. If you've been paying down your mortgage for awhile, then you may have built-up equity you can tap into. If the value of your home has risen since you bought it, then you have even more built-up equity to access.

Reducing your monthly payments is another great reason to refinance. By getting several refinancing loan rate quotes you can compare the different offers before deciding on the loan payment that's right for you.

Whatever your reasons for refinancing, you can use the power of the Internet, to find the lowest cost fixed rate refinance mortgage interest rates, without ever leaving home.

Whether you have good credit, bad credit, or no credit at all, you can get competitive refinancing rate quotes online. All it takes is one easy application to get your refinance loan underway. If you're getting overwhelmed with debt, or just looking to refinance to a lower interest rate, then a free competitive loan rate quote is a good place to start.

Using the internet is a great way to find the lowest refinance mortgage loan rates [http://www.usmortgagequest.com] available. You can apply online for a refinance mortgage [http://www.usmortgagequest.com/best-refinance-mortgage-rates.htm] and have competing loan offers come directly to you. If you're looking to get cash out of your home, then a cash out mortgage refinance [http://www.usmortgagequest.com/cash-out-refinance-information.htm] quote may be just what you're looking for.

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Pavlov is a 10 week old hound mix. He is one of our puppies that was abandoned on a porch and he is now available for adoption! He is curious and playful but still a sweet cuddly puppy. His foster says he’s such a smart boy and is nearly potty trained! How can you say no to that face?!

Location: Fort Worth, Texas

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STATUS : - read comment for update from crossposter
You don't have to settle for the first lender you talk to when you are getting a mortgage. The truth is, you need to shop around to find the right group. It is the only way you can be certain that you get the best rate and customer service.

Do Your Research

When you are starting out, you need to talk to several banks and lenders. You can do this by starting out with a broad online search to see what is available to you. You can then narrow your results by seeing what they offer and what you are comfortable with. Each bank is going to offer different rates and closing costs. You should find out what these are and figure out what works best for your budget.

You should also talk to your bank and find out what they offer current customers. In some cases, they give current customers a better rate or lower closing costs than they do for non-customers.

Once you have the best rates picked out, talk to the company and see what type of deal can be worked out. You may also consider buying points against your mortgage, as it may lower the interest rate a little. Yes, you'll be paying more money up front, however, it could be a cost saving move over the life of your loan.

Interview Prospective Groups

You should always interview your prospective mortgage lender. You need to ask the person you deal with about his or her experience and qualifications before you do business. Don't be afraid to ask for references so you can see how their past customers felt about doing business with them.

While you want to know about your contact within the company, you need to know just as much or more about the business as a whole that is giving you the loan. Do a thorough background search on the company and find out what their reputation is. Check with the Better Business Bureau for some unbiased reviews and information on the lender.

Referrals

When you are starting the process, ask friends or family members who they used to finance their mortgage. Ask them not just about their experience during the buying process, but also any experience they've had since closing. Ask about their customer service and if they are trustworthy. You can find out if the companies they went with are worth looking into further.

If you're still not sure, talk to your real estate agent. He or she will have a lender list that they will gladly share with you. There are many times that your agent can help you find someone reputable who they've worked well with in the past.

No matter which lender you choose, you should always make sure to read the fine print on all documents before you sign anything. When you've found the home of your dreams and you've negotiated the purchase price, ask for a good-faith estimate of their closing costs. Most will cost between $3,000 and $4,500; any company demanding significantly more than this should be reconsidered.

For information on finding a lender

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