Loans : Mortgage : Finance

I am in dire need of a debt consolidation loan and I have bad credit. I can make things work with $5000, but I do not know where to start. I have seen people with yahoo addresses claiming they can loan money but they sound fishy as it is not a company email, their emails [...]

New 30 year mortgage last year, interest rates are 1 percent lower, which reduces my monthly payment. But, there are closing costs – again. We would re-coop the closing costs after 2 years, but what do we save over the term of the loan?