Can go from adjustable to fixed rate mortgage You should consider home mortgage refinancing if you want to change from an adjustable rate mortgage to a fixed rate loan. In this chase, see if you can get at least a two percent different when you go from old loan to newer loan. If you have a fixed rate loan and want to get another fixed rate loan, look for at least a one point five percent difference in rates.

Fees involved There are always fees associated with refinancing your loan. You might have to pay for new another appraisal, title insurance fees, home inspection, loan origination and associated credit reporting fees.

One quote from current lender to compare against outside quotes Always try to get at least one of your mortgage refinancing quotes from your current lender. Sometimes, they can waive certain fees or eat cost because you are long term customer. This does not mean that you should not get quotes from outside sources. They might give you a lower rate and potentially match, or surpass quote from your previous lender.

In either case, try to maximize your potential savings and minimize amount of fees and up front costs that are involved in switching to another loan.

Property taxes are by far largest source of revenue for many municipalities. However, business taxes are also important so a town with a healthy economic base can offset property taxes with increased revenue from local businesses.

Don't agree with your tax assessment? Take it up with your county tax assessor's office or perhaps a state office. Sometimes overall changes in state laws can lead to rapid increases or decreases in amount of property taxes that are assessed.

Recent local government expansion or population growth can lead to a need for revenue Check for recent municipal developments such as new roads, new schools or new government offices. All of these are signals that your county will probably need more cash to maintain their operating expenses.