text:
Police shut down PLO event in east Jerusalem
Edelstein: While Islamic State slaughters, West is focused on building in Jerusalem
Jerusalem Mayor Nir Barkat says he refuses to apologize for building in capital
Analysis: Netanyahu adopts hopeful tone with US president
Neither PM nor Obama makes Palestinian question top priority
US says east Jerusalem housing plan 'calls into question Israel's commitment to peace'
Netanyahu's right-wing coalition partners slam premier for backing two-state solution
Netanyahu arrives at White House for meeting with Obama
Knesset speaker Edelstein: Israel will defend itself if West makes bad deal with Iran
The Lancet editor relents on medical journal's unbalanced attacks on Israel
Get the shot or inhale nasal spray – avoid complications of the flu this cold season
Treating psoriasis
Decline in breast cancer for Jewish and Arab women
Hapoalim launches BankApp competition
Eilat Eilot Off Grid Hub to open in the Arava
Cabinet approves NIS 1.5 billion 'Gateway to Jerusalem'
Arab Israeli high-tech incubator raises $4.5 million
Economics and waste
More than kid's play
Internet artist Kutiman keeps turning home videos into global YouTube hits
From Chicago to Herzliya
Running down a dream in Tel Aviv
Confidence abounds as Gutman gets ready
Is soccer legend Diego Maradona in line to become coach of Palestinian national team?
Barda's spectacular one-man show puts Beersheba back in spotlight
Adalah files petition against Broadcasting Authority over Yom Kippur broadcast ban
Ariel U researchers withdraw from London conference after asked to drop university affiliation
Poll finds Israelis don't trust Obama, Abbas
Jews 'among the best protectors of our country'
Repentance and parenting
Tradition today: Jonah's journey
Prayer or the Playoffs?
Iran's anti-Semitic conference taking place with international attendees
Iranian proxy behind attacks on Israeli delegations gains influence in Turkey
Khorasan Group targeted by US in Syria a special unit of al-Qaida
Monitor: Islamic State beheads seven men, three women in Syria
170 million jobs needed in region by 2020 or 'youths will join extremists'
British jets launch their first attacks against Islamic State targets in Iraq
The Human Spirit: Being Malke Bina
Think Again: Viewing one another with a good eye
In Plain Language: Jonah and the whale: Escapism in Jewish life
A Dose of Nuance: What we talk about when we talk about Israel
This Normal Life: Members of the tribe
Rabbis and the rain
A stomach churning novel
Striking a cord
The battle of the budget
Aliya before it was 'practical'
Unhappy return to Mother Russia
Bible as the source of Western music
Hiding Jewish identity in 'the least anti-Semitic country in Europe'
Grapevine: The ambassador's ambucycle
Five notable new developments in Jerusalem over the past year
Pride in the streets
Mr. Mayor
It takes a village
The sounds of childhood
Years of selfless service
Indo-US ties : Time to dismantle all Islamist forces
Militant Islam – can it be turned to advantage?
It's time to revive Netanyahu's 'economic peace'
The world needs to listen to Sisi on IS
A song for TISHREI: 'A good word'
סִימָנִים עַל הַחוֹל
פֶסְטִיבַל שֶקְסְפִּיר הַבֵּינְלְאוּמִי
Apples in Metulla
The colors are stronger now
The Sephardi singing rabbi
'They call me Hana'
Cooking with JPost: How to take corn kernels off the cob
The Italian Connection
Respect for the law
Podcast: Behind the scenes of the Netanyahu-Obama meeting
L'aliya de France a son mentor
« J'assiste personnellement à la Résurrection des morts ! »
L'incendiaire de la mosquée al-Aqsa
L'homme de l'année : un guerrier malgré lui
Gil Shohat : portrait d'un artiste atypique
Oh les filles, oh les filles…
Revisiter le sionisme
Préserver l'héritage des Juifs de Tunisie
Israël au pied du mur
Retour sur l'opération Bordure protectrice : décryptage de la situation moyen-orientale
Les petites phrases d'Yigal Palmor
Malgré quelques revers, l'Etat islamique se porte bien
David Azrieli, 1922-2014
Dimanche 13 juillet
Deux familles, une histoire
Il était une fois en Israël
Et tu choisiras la vie
Les rêves déçus de Gabi
Coup de théâtre de fin d'année
Boucler la boucle
Free Schach Distribution in Honor of Sukkot
Covenant of Brothers, Covenant of Life
Celebrating the New Year in KKL-JNF Parks and Forests
International Cleanup Day in Ashkelon
Central America Celebrates Independence at the Rabin Center
European Parliament Member Bastiaan Belder Tours the Negev
KKL-JNF Helps Chile Deal with the Gall Wasp Pest
KKL-JNF and Fair Planet in Ethiopia–Seeds of Hope
Cleanup Day Activities in Central Israel
International Cleanup Day: Cleaning Together in Northern Israel
Care of the Forests Continues Even in a Sabbatical Year
Nevatim Celebrates 60 Years and Dedicates a New Reservoir
European Leadership Conference 2014 - Brussels, Belgium
The KKL-JNF Europe Young Leadership Conference
KKL-JNF Office Opens in New Zealand
KKL-JNF Leaders at ELC meet with the EU Parliament
Living Green in Israel: the Contest and the Winners
Addressing Climate Change Conference
Nurturing the Foresters of the Future
Saving the Sabras
10.02.2014 | 8 Tishri, 5775
New Worlds: Tell the whole truth
Most haredi women don't take their children to get free hearing tests, says TAU researcher
Four Hadassah board members resign in protest
Channeling the heart's pace
PMO: Netanyahu did not urge Obama to accept chemical weapons deal
IDF confirms rebels rout Syrian forces in Quneitra
The doctor will always be with you
IDF to stop using white phosphorus for smokescreens
Barghouti warns of third intifada if occupation continues
Israeli academy welcomes 9 new scientists
Olmert: Settlement decision is 'slap in the face' for Obama
'Disabled are inadequately used resource for volunteering'
Breaking News
06/22/2012 02:10
Symantec: Flame virus can destroy computer files
BOSTON - The Flame computer virus is not only capable of espionage but it can also sabotage computer systems and likely was used to attack Iran in April, according to a leading security company, Symantec Corp.Iran had previously blamed Flame for causing data loss on computers in the country's main oil export terminal and Oil Ministry. But prior to Symantec's discovery, cyber experts had only unearthed evidence that proved the mysterious virus was capable of espionage.Symantec researcher Vikram Thakur said on Thursday that the company has now identified a component of Flame that allows operators to delete files from computers.
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text:
Alcohol blamed in Killington crashJanuary 28,2014Alcohol is blamed
in Killington crash
KILLINGTON Vermont State Police say a Massachusetts man was still drunk from a bachelor party the night before when he rolled his car off Roaring Brook Road on Saturday.
Timothy Nelligan, 27, of Quincy, Mass., wasnt injured in the crash which took place at around 11 a.m. Saturday, but state police who responded to the crash say they determined Nelligans blood-alcohol content was more than the legal limit of 0.08 percent.
Nelligan was charged with drunken driving and giving false information to a police officer. He was taken to the Rutland jail where he was incarcerated on $5,000 bail.MORE IN This Just InThe Associated Press Full StoryThe Associated Press Full StoryStaff Report Full Story
- Most Popular
- Most Emailed
- RICHARD'S POOR ALMANACK: Julius Caesar dedicates a temple to his mythical ancestor, Venus Genetrix; on this day in 1933, FBI agents in Memphis, Tennessee, arrest Machine Gun Kelly; Yves Rossi flies the English Channel with home-made jet-pack.
- RICHARD'S POOR ALMANACK: On this day in 1852, Henri Giffard demonstrates the first steam-powered airship, sailing 17 miles from Paris to Trappes; on this day in 1877, Japanese imperial troops crush the Satsuma Rebellion, Saigo Takamori dies in Kagoshima.
- TOMORROW'S HEADLINES TODAY: U.S. Rep. Peter Welch meets with Killington business owners, governor candidates debate, Gov. Shumlin discusses progress in anti-opiate campaign, Spanos trial venue moves to White River Junction.
- RICHARD'S POOR ALMANACK: On this day in 1776, as Nathan Hale is hanged by British military authorities for spying, he utters his famous last words — or does he? In 1975, Sara Jane Moore attempts to kill President Gerald R. Ford in San Francisco.
- TOMORROW'S HEADLINES TODAY: Patrick McArdle reports and the theft of an $89,000 shotgun, police release a video of the Monday Castleton robbery, O'Gorman reports a lawsuit by a local man claiming his vehicle unlawfully seized, police leave him in cold.
- RICHARD'S POOR ALMANACK: Giles Corey of Salem, Mass., is pressed to death during the Salem witch trials; on this day in 1952, film comedian Charlie Chaplin, while traveling to England, is denied re-entry into the United States by U.S. attorney general.

subset: commoncrawl


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Clair Mel, Florida Mortgage Refinance Rates
Get personalized rates here
It's fast, easy, and accurate!
To get rates for your own situation:
- Fill out these fields
- See results in seconds
- Current mortgage balance
- Your current balance is the total amount you owe on your mortgage. It is the difference between the original amount borrowed and the money you have paid toward the principal so far. If in addition to your 1st mortgage, you have a 2nd mortgage (or a home equity line of credit) include the combined outstanding balance from your 1st and 2nd mortgage. Contact your lender to find out your exact outstanding balance.
- Who owns/backs your loan?
This field helps us determine whether you are eligible for special programs such as HARP or FHA streamline refinances.
To see if your loan is owned or guaranteed by Fannie Mae or Freddie Mac, use the following lookup tools:
To find out if you have an FHA-insured loan:
- Check your monthly statement to see if you have a mortgage insurance premium (MIP). This is what FHA calls its mortgage insurance — so if you see it on your statement, you have an FHA-insured loan; or
- Check your closing docs and find your closing statement (called a HUD1). Look in the top-right corner on the first page and see if you find a HUD 13-digit case number in this format: 000-0000000-000. If you do have a HUD case number, you have an FHA-insured loan.
- If you're still uncertain, call your lender or servicer.
Learn more about the options for refinancing your underwater mortgage:
- Credit Score
If you are applying with a co-borrower, the credit score should be the lowest credit score between the two borrowers.Estimate your credit score
- Annual Income
- Include all of your annual income before taxes, including:
- Annual base salary (before taxes and expenses are deducted)
- Any recurring commissions, bonuses, overtime, and tips that you expect to continue
- Rental income, stock dividends, investment income, etc.
- Any alimony/child support payments you receive
Note: If you are applying with a co-borrower, include both your and your co-borrower's annual income
- Monthly Debts
- Include:
- Minimum credit card payments
- Car payments
- Student loans
- Alimony/child support payments
- Any house payments (rent or mortgage) other than the new mortgage you are seeking
- Rental property maintenance
- Other personal loans with periodic payments
Note: If you are applying with a co-borrower, include both your and your co-borrower's monthly debts.Do NOT include:
- Credit card balances that you pay off in full each month
- Existing house payments (rent or mortgage) that will become obsolete as a result of the new mortgage you are seeking
- The new mortgage you are seeking
- Home Use
- Lenders offer different rates for mortgages depending on how the property will be used. For example, a loan for a rental property is more expensive than a loan for a primary residence because lenders believe investors are more likely to stop paying their mortgage and walk away from a rental property than they are from their own home.
- Cash out
Enter the amount of additional cash you would like to take out.
Cash-out refinancing means you refinance your mortgage for more than is currently owed, then you use the difference to pay for things such as home improvements, buying a car, paying for school, and vacations, just to name a few.
- Are you or your co-borrower a first time buyer?
- Lenders sometimes offer special loan programs to first-time homebuyers.
- Are you or your co-borrower eligible for VA loans?
- You can check your eligibility and learn more about VA loans on the Department of Veterans Affairs Web site.
- Have you or your co-borrower used your eligibility before?
- Eligibility is reusable depending on your circumstances but may affect your fees. To learn more about eligibility, see theVA FAQ page.
- Do you or your co-borrower have any VA related disabilities?
- Having service-related disabilities may exempt you from having to pay a VA funding fee.
- Type of veteran
- Funding fees can vary based on your type of service and down payment.
- Have you or your co-borrower declared bankruptcy in the last 7 years?
- Bankruptcy is the legal process in which a person declares their inability to pay off their debts. Bankruptcy does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
- Have you or your co-borrower been foreclosed on in the last 7 years?
Foreclosure is a legal process by which a bank or lender sells or repossesses a mortgaged property because the borrower could not pay the loan.
Foreclosure does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
- Are you or your co-borrower self-employed?
- Loans for self-employed borrowers typically require more documentation for items like your income and assets. Notice that by selecting self-employed we also ask for your assets.
- Assets
While you don't need to tally up every asset you own, include your largest assets. Lenders typically look at both your liquid assets and non-liquid assets. Liquid assets are things you could access quickly such as checking, savings or stock accounts. Non-liquid assets are things you own but which you probably cannot sell immediately like real estate assets.
To calculate the value of your real estate assets,use the fair market value minus your remaining mortgage balance to get the equity total. (e.g., $250,000 fair market value minus a mortgage balance of $100,000 = $150,000 in equity)
Note: If you are applying with a co-borrower, include both your and your co-borrower's assets.
- Loan programs
- There are two main types of mortgage programs: fixed rate and adjustable rate mortgages (ARMs.) Fixed rate programs: Fixed rate loans have the same rate and monthly payments for the life of the loan. The number of years describes how long it will take to pay off the loan. Fixed rate loans are good for people who do not plan to move or refinance for many years. They are also good for people who have a lower tolerance for risk and want predictable expenses. The downside is that fixed rate mortgages typically have higher interest rates than adjustable rate mortgages. ARM programs: ARMs have an introductory period when the payments are the same each month like a fixed loan. After the introductory period, the payments can change to be higher or lower. For example, a 5/1 ARM has a fixed rate for 5 years and then adjusts once per year for the remaining 25 years of the loan. ARM payments are usually cheaper than fixed-rate payments during the introductory period. If you believe you will sell or refinance your home before the introductory period ends, an ARM loan might make sense for you.
Asking lenders for custom quotes...
Finding the best quotes...
Your loan-to-value (LTV) ratio is high
You may not see many loan options because the loan amount requested is close to the full value of the property. This is called a high loan-to-value ratio. Consider a larger down payment to decrease your LTV ratio.Learn about down payment assistance.
Your loan-to-value (LTV) ratio is high
You may not see many loan options because the loan amount requested is close to the full value of the property. This is called a high loan-to-value ratio.Visit Zillow's Negative Equity Resource Center to learn about additional refinancing options.
Your requested loan amount is low
Requests for home loans less than $50,000 typically receive fewer quotes.
Your requested loan amount is too high
Your requested loan amount may be higher than the conforming loan limit in your area. Consider a larger down payment to decrease the loan amount needed.Learn more about conforming loan limits.
Your debt-to-income (DTI) ratio is high
It is more difficult to obtain a loan with a high debt-to-income (DTI) ratio. Lenders calculate DTI ratios to ensure you are able to comfortably pay your mortgage along with your other debts.Learn more about debt-to-income (DTI) ratios and work to pay down your other debts such as credit cards, student loans and more.
Your credit score is low
Your self-reported credit score is below the optimal range for lenders and may be preventing you from getting more quotes or better rates.Find out how you can improve your credit score.
Retry your loan request
Results not what you expected? Check your loan request inputs and retry.
Please enter a first and last name.
Please enter a valid phone number.
Please enter a valid email address
Please fill in a note to the lender (5 character minimum, 800 character maximum).
- Submitting contact...An unexpected error occurred. Please try again later.Lender contacted successfully!
- By clicking "Contact Lender", you agree that Bank of America, N.A. may contact you at the telephone number or email address you have provided above for purposes of fulfilling this inquiry about mortgage financing, even if you previously registered on a Do Not Call registry or requested Bank of America, N.A. to not send marketing information to you by email. You agree Bank of America, N.A. may use automatic telephone dialing systems and artificial or prerecorded voice messaging in connection with calls or texts made to any telephone number you provide even if the telephone number is assigned to a cellular/mobile telephone service or other service for which the called party is charged. You are not required to consent to receiving autodialed calls or texts as a condition of purchasing any Bank of America, N.A. products or services. If you use a relay or other telephone service for the hearing impaired, please call or have your service call 1.800.915.8026 for help with your loan request.
- Total Lender Fees
Includes lender, government and other fees associated with the loan quote submitted by the lender. Other 3rd party fees may apply.
Note: A lender may offer a credit to reduce your out of pocket cost. You may be able to use this credit to pay fees associated with your mortgage transaction.
Closing costs, also known as settlement costs, are the costs incurred when obtaining your loan. For new purchases, these costs also include ownership transfer of any collateral property from the seller to you. Costs may include and are not limited to: attorney's fees, preparation and title search fees, discount points, appraisal fees, title insurance, and credit report charges. They are typically about 3% of your loan amount, and they are often paid at or just before your loan closes.
Funds often needed to close a loan, such as homeowners insurance, property taxes, and escrow impound account funds, aren't included in closing costs and are considered separate. You should be prepared to pay these costs before your loan closes.
- Total Loan Amount
The amount of money being borrowed, calculated by subtracting the down payment from the purchase price (e.g. Purchase price = $300,000; Down payment = $100,000; Loan amount = $200,000), and adding the upfront FHA mortgage insurance premium that is included in the total loan amount.
- Total Loan Amount
The amount of money being borrowed, calculated by subtracting the down payment from the purchase price (e.g. Purchase price = $300,000; Down payment = $100,000; Loan amount = $200,000), and adding the upfront VA funding fee that is included in the total loan amount.
- Third Party Fees
The third party services fees are settlement charges that are not paid to the lender. These fees are paid to external service companies for things such as:
- Appraisal
- Title insurance
- Recording charges
- Transfer taxes
- Escrow
- Interest
- Homeowners insurance
These fees are estimates and can vary depending on the company. Typically lenders will recommend providers for you but you can shop around to save money. Follow up with the lender to get a full list of closing costs.
- Confirmed Lender
- Zillow confirms lenders' NLMS status and that they are licensed to originate mortgage business in the state(s) they are quoting in before they are allowed to participate in the marketplace.
- Accuracy Promise
- Zillow's Quality Assurance (QA) team "mystery shops" lenders to ensure they are honoring their quotes. Also, users can flag quotes for Zillow's QA team to investigate and review their experiences with lenders.
- No Spam
- Your contact request will only go to the lender you select. We will never sell your email or phone number to any 3rd party or send you nasty spam.
- Est. Mortgage Insurance
- If you put down 20% or more when you took out your current mortgage, you may not be subject to mortgage insurance if you refi through the HARP program. Ask your lender for more details about your situation.
- True Cost
True Cost is our recommended way to begin comparing quotes. True Cost allows you to:Note: The ideal loan program and fee/rate structure may change depending on the time you stay in your home.
- compare quotes apples-to-apples by incorporating Rate, Fees, Loan Program, and Points into one number
- view the interest and fees due over different periods of time by adjusting the time-in-home dropdown
- find the least expensive loan for your expected timeframe
The interest rate is the yearly rate charged by a lender to a borrower in order for the borrower to obtain a loan. This is usually expressed as a percentage of the total amount loaned. Note that rates may increase for adjustable rate mortgages.
Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, lender fees, and certain other financing charges the borrower is required to pay. Using APR to compare quotes is helpful because it takes into account both the interest rate and financing fees. The APR is calculated by Zillow.