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If you are going to consolidate your student loans, you MUST check more than one company. Do not trust your current lender to give you the best deal. They trust you will be lazy and not find a better deal. You can only consolidate once and they know it.

When applying for a loan make sure the mortgage broker expalins to you all the documents you are going to need. It is a good idea to gather this documentation together well before you apply for loans. Make copies of everything. This will help when the lender "mis-places" your documents during the application process. Also, if you do not have one already, it pays to invest in a fax machine for your home. You will be faxing documents back and forth for several weeks. Make sure delays on the lender's end do not become delays on your end.

For first time home buyers, a 30-year mortgage might not be the best choice, even in this great interest rate environment. On average, people stay in a home for 8 years. If you are just starting out, it is likely you will want to move into a bigger, better home in the future as your income increases. For this reason, one of the 5/1 ARM mortgages. Payments are fixed for the first 5 years before they start to adjust. These loans are hybrids of the fixed/adjustable rate loans we all grew up with. The advantage is that initial rate is usually quite low, so you have the chance to save money for your next purchase.

College Loan Refinancing companies, reviews, and further research: