Under the Central Banks Consumer Protection Code your lender must give you, in writing, an indication of costs of your existing loans compared with the cost of the new mortgage you are considering.

Manuel was born on February 24, 1987 to Manuel and Bertha Ortiz in Spearman, Texas.

For more information, please call the Hansford County Reporter-Statesman at 806-659-3434.

Peacock-Larsen Funeral Home & Arkansas Valley Crematory is in charge of arrangements.

The son of Hettie Polly Ann (Sparkman) and Bert Edwards, Roy Lester was born May 24, 1919 in Ryan, Oklahoma.

This is because you are now paying for the old loans over 20 years, instead of the shorter original loan terms.

Or you could decide to switch to another lender offering a cheaper mortgage rate, and take out a larger mortgage to cover the extra borrowing.

Government monitors what you download, they can jail you for "sharing copyrighted content".

Your ISP monitors what you download, they can throttle connection speeds.

So for example, if you are using your mortgage to pay for short-term spending, such as changing your car, you should make sure that you repay the car loan part of the mortgage over a shorter term.