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 Mortgage can last a lifetime and that extra 1% can add up to literally thousands of dollars over the years. I have friends that are in their 70s and still paying off their home loans. It'll pay off in the long run to make sure you find the best deal possible. Don't let poor credit stop you from refinancing your home.
 See also:
 Eastman Credit Union »
Offers financial services to Eastman Chemical workers and other employee groups in five southeastern states (Arkansas, South Carolina, Tennessee, Texas, and Virginia). Information about membership, locations, and services.
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 Truliant Federal Credit Union »
Serves over 500 companies in 5 states by providing full-service financial products.
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 Pentagon Federal Credit Union »
A non-profit financial institution that offers personal financial services to Pentagon employees, Army and Air Force personnel, and their families.
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 US Federal Credit Union »
Serves numerous select member groups in the Minneapolis-St. Paul, Atlanta, Memphis, and Detroit areas. Several offices around the Twin Cities; also branches in College Park (Georgia) and Memphis.
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 Northcountry Cooperative Federal Credit Union »
Serves Midwestern cooperatives that are part of Northcountry Cooperative Development Fund, and their members.
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 Patriots Federal Credit Union »
Serving select employee groups and organizations in Arizona, California and Nevada.
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 Riverfront Federal Credit Union »
Provides online checking, savings, lending, and investments to employer groups and members nationwide.
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 Navy Federal »
Providing financial services for all U.S. Department of Defense personnel.
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 Andrews Federal Credit Union »
Serving military personnel assigned to Andrews or McGuire Air Force Bases, certain bases in Germany, The Netherlands and Belgium, and other select employee groups.
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 Anheuser-Busch Employees' Credit Union »
ABECU is a full-service financial institution offering a wide variety of products and services to members nationwide and around the world.
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 Ecolab Credit Union »
Membership open to past and present employees of Ecolab and its subsidiaries in the United States who are paid out of the St. Paul, Minnesota, office. Family members also eligible. Bullet list of services, rates, how to join.
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 Energy Services Federal Credit Union »
Open to employees of the Xcel Energy Company or its U.S. subsidiaries. Offers checking, savings accounts, loans, online banking.
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 Think Federal Credit Union »
Serving active or retired employees of IBM Corporation, its subsidiaries, and affiliated companies.
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 Chevron Federal Credit Union »
Serving employees and retirees of Chevron Corporation and affiliates worldwide.
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 Toro Employees' Federal Credit Union »
Serves Toro employees in the United States and their immediate family members. Offers mortgages and other loans, savings, checking, debit card. Offices in Bloomington, Minnesota, and Riverside, California.
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 When refinancing, don't take the first offer that comes around. Instead you should actively compare both interest rates and lenders.
When you do a cash-out refinance you are leveraging the equity in your home in order to receive a lump sum of cash at closing. Many individuals and families use this type of loan if they want to remodel their home, or they have kids that are attending college soon. Veterans and other military personnel can now take advantage of a 100% cashout refinance thanks to the Veterans Benefits Improvement Act of 2008.
Start with your current lender. If you're a good customer-you hold a sizable mortgage, pay on time, and maintain good credit-your existing lender will probably do everything in its power to keep your business. The company may cut you a break on fees for things like appraisals, surveys, and inspections if the information is current and you meet other requirements.
You have a legal right to a good faith estimate. Get a copy of this document and go over it with a fine tooth comb, it will reveal where there is a real problem.
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