Fairborn, OH -- (ReleaseWire) -- 07/27/2007 -- It seems like everyone in Ohio is jumping on the mortgage refinancing bandwagon. Maybe you're thinking about it yourself? After all, with rates as low as they are, the promise of lowering your monthly payments, sometimes significantly, is a great attraction for many homeowners.

But before you sign on the dotted line, there are a few things you should know about the way refinancing works so you don't make a mistake that could wind up costing you big time.

"With refinancing as popular as it is right now, Ohio residents have to be even more careful about shopping for the best loan," says Sean McCartney / Jason Seaquist, a Dayton, Ohio based mortgage consultant. "Even the most attractive offer can wind up being a disaster once you realize how much the loan is really costing you."

Sean McCartney offers these tips when considering refinancing:

*You should get a significantly lower rate for refinancing to make sense. Don't rush to refinance unless it's truly worth your while. If you're working with a mortgage broker rather than going it alone, you can be assured that they're bringing you the best offers out there. If you're going it alone, you'll have to do the legwork for yourself.

* Consolidating unsecured debt with a refinance loan can be a dangerous idea. You may not be in financial trouble now, but if in a few years things change, instead of simply missing a credit card payment or two, you'll now be in danger of losing your home as well.

* Your credit score counts... big time. If you've had credit problems in the past like a bankruptcy, it might make sense to wait a while for your credit score to recover before trying to refinance. Most lenders make it hard for people with less than perfect credit to get the best deals. But, again, if you choose to let an expert like a mortgage broker get involved in the process, they can often find loan options that most homeowners didn't even know existed - which can save you thousands over the long haul.

Dayton, Ohio - based mortgage expert Sean McCartney / Jason Seaquist specializes in providing mortgage information to Ohio residents that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Sean McCartney / Jason Seaquist is available for interviews and will welcome all your mortgage related questions.

Call (937) 878-1188 Ext.403 for a Free No-Obligation Consultation or visit http://daytonmortgageexperts.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Fairborn, OH -- (ReleaseWire) -- 07/06/2007 -- Local Dayton Mortgage Lender Sean McCartney reveals the shocking truth at a new website that is full of free reports and free mortgage calculators.

"The only way for consumers to make an educated decision is to have all of the facts. Let's face it most consumers are simply uneducated when it comes to obtaining the best mortgage product to fit their financial needs and goals." says Sean McCartney, a mortgage originator based in Dayton, Ohio.

For most consumers a mortgage is the single largest financial transaction they will make during their lifetime. In fact, most mortgage payments account for approximately 32% of consumer's monthly income.

Sean McCartney / Jason Seaquist has put together a new website to finally allow consumers the ability to obtain all of the information they need to make an informed decision.

Here is a listing of some of the Insider Tips available at http://daytonmortgageexperts.com

*Little Known Secrets That Will Show You How To Improve Your Credit Score

*Important Terms You Must Know BEFORE Obtaining A Mortgage

*Tested and Proven Strategies For Building A Better Credit Record Faster and Easier

*The Top Mortgage Questions Borrowers Must Ask Before Applying For A Mortgage

*How To Finally Stop Renting And Own A Home Of Your Own

*How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit

*7 Things You Should NOT Do When Applying For A Home Loan

*12 Secrets To Lowering Your Homeowners Insurance Cost Your Agent Doesn't Want You To Know

Fairborn, Ohio - based mortgage expert Sean McCartney / Jason Seaquist specializes in providing information to consumers that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Sean McCartney is available for interviews and will welcome all your mortgage related questions.

Call (937) 878-1188 ext 403 for a Free No-Obligation Consultation or visit

http://www.daytonmortgageexperts.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm