By [http://ezinearticles.com/?expert=Greg_Thomson]Greg Thomson The refinancing business can seem like a jungle where lenders compete against each other with
your rates and payment plans as weapons. Should you decide to refinance your loan, there is a
lot of money to be saved, mainly by choosing the right lender but also by avoiding hidden fees,
pre-payment penalties and high rates. This article outlines 5 easy tips that you can follow when refinancing your loans. 1. Research rates at many different lenders!! By doing this you assure that when you apply for
the refinancing loan, this is your best deal. You can apply for pre-approval but if
the lender pulls your credit history it may effect your credit score. You can avoid this by
not giving your social security number. 2. As mentioned earlier, your original lender may have a pre-payment or early payment penalty
that you will want to avoid. The best thing is of course to look in to this before you sign up
with any lender. If your current loan has this kind of penalty, make sure you would still save
money should you decide to refinance. 3. Pay close attention to closing costs at different lenders. If the closing cost is very high
at one lender you will have to take that into consideration in your decision process. 4. Many companies present the information above as Annual Percentage Rate (APR) and this includes the interest rate, fees and closing costs. To compare two different lenders
accurately ask for the APR instead of the interest rate. 5. Get your APR, interest rate, closing cost and possible pre-payment penalty in writing before you decide anything. This insures that there are no hidden fees and that you can be confident in
your choice of a refinance plan. A quick summary; ask for APR when contacting lenders, do not give out your social security number
until you have decided which lender to apply to and get everything in writing before sending in your
approval request. Still feel like prey in the jungle? 80% of all Americans looking for a loan refinance solution
jump straight into the hands of lenders and may unwillingly and/or unknowingly pay up to double
what they should. Be the other 20% and make your decision based on facts! [http://www.gaiainfo.net/loan-refinancing-5-easy-tips.html]Click here to stay in the
20%! Greg Thomson is a freelance writer that recently refinanced home loans and car loans. He lowered his monthly payments by approximately 25% by following the steps layed out in this article. Visit his website [http://www.gaiainfo.net/loan-refinancing-5-easy-tips.html]here! Article Source: http://EzineArticles.com/?expert=Greg_Thomson http://EzineArticles.com/?Loan-Refinancing---5-Easy-Tips&id=339069 zolpidem tartrate controlled drug
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