It all depends on what your original loan was. If you purchased your home before the big Housing Boom, then you must have an Adjustable or Variable Rate. What a lot of consumers do not know is that the reason for the type of loan you got was because your credit was not that great and that's all you qualified for. But if you have been making your payments on time for the past year you can Refi for Rate and Term. What that means is that when you Refi you will lose the equity on your home, but if you haven't had the property that long it would be worth losing your equity to Refinance for a Fixed Rate Loan. I would advice you to go to straight to a large bank rather than a broker (brokers sell you loan to a bank and thats how they make money).
Look in the News Paper at what fixed rates are going for. Be sure to talk to more than just one bank and shop around. Ask a lot of questions. If you have credit card debt and some equity in your home you could get a Consolidation Loan. That's when you get cash out to pay off all your debt. Like all your credit cards and even your car loan if you have one or to do renovations on your home.
Well, I hope this has answered some of your questions and good luck to you.
If you taxes are still high call the Broward County Property Appraisers Office. They are the ones the Appraise the value of the property for your taxes.
Residents in most areas of Margate are required by covenants and restrictions to upkeep their lawns and houses. A lot of the homes are along golf courses and there is not much difference between zip codes.... more