Mortgage Loan Refinance And Debt ConsolidationSome Things You Need To Know About Home Finance?Ideas To Consider |
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When refinancing your home mortgage, take the time to protect yourself against some things you didn't know. Here's one thing to look out for. Remember that flood insurance and earthquake damage are not covered by a standard homeowners policy. If you buy a house in a flood-prone area, you'll have to pay for a flood insurance policy that costs an average of $400 a year. The Federal Emergency Management Agency provides useful information on flood insurance on its Web site at www.fema.gov/nfip. A separate earthquake policy is available from most insurance companies. The cost of the coverage will depend on the likelihood of earthquakes in your area. In California the California Earthquake Authority (www.earthquakeauthority.com) provides this coverage. You can begin comparing different loan rates, fees, points, and other things by clicking on several of the links below. See if any offer special insurance discounts that can save you money. Some offer special programs, so you should always ask.
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