Monday, April 21, 2008

Gates says Air Force not doing enough in Iraq war effort (AP)

Iraqis look inside a shrapnel-riddled home in Baghdad's Sadr City. US Secretary of State Condoleezza Rice has met with Sunni-led Arab allies to try to persuade them to back Iraq's Shiite leadership but failed to clinch any concrete commitments on debt relief or diplomatic presence.(AFP/Ahmad al-Rubaye)AP - Defense Secretary Robert Gates said Monday the Air Force is not doing enough to help in the Iraq and Afghanistan war effort, complaining that some military leaders are "stuck in old ways of doing business."

If you have crossed over the first mortgage and thinking for a refinance or second mortgage options, it is better time to know about the two and its pros and cons.

Refinance :

Refinance is taking a fresh mortgage in place of the first one with a view to reduce interest or to avail the equity.

Second mortgage :

Second mortgage is also called as equity loan, which is primary taken to take control of the equity of your property.

Tapping your equity is better done through this if you have low interest loan. Applying for second mortgage is easier and cheaper compared to the refinance option. Due to sheer cost factor it will take at least two years to break even in refinancing, but because of low fees is better.

In terms of accessing your home equity, it possible to access over a period of time if you take second mortgage, which is not so in the refinancing option. You will also have access to various modes like cheques, ATM card or direct deposit option to access your equity depends on how you set up the loan.

If you have cash flow problems it always better to go for it since the approval terms will be easier and loan provider will be having confidence of the repayments. On the other hand refinance can be option if your present mortgage is of high interest and your interest saving will be more than 1 %.

It is important to take your current situation during the evaluation of these options. The suitability is mainly depends on the individual circumstances and requirement. If you unsure to take a decision, it is prudent to discuss with a financial consultant. Time and again it proved by taking a proper advice you tend to save a lot of money.

Shanks Ramacha provides more free and extremely helpful information in his content rich mortgage refinance site. To search through other helpful articles on the website, explore mortgage sitemap

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