The trove of castoffs left behind by businesses and people leaving Detroit has been mined by legions of scavengers, including at least two generations of visual artists. Clinton Snider is one of the latest to bring the refuse of life into the refuge of art.
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Refinancing: This is simply obtaining a new loan to pay off a loan that already exists on a property. Title does not change hands. Only the security deed changes. Reasons for the refinance are better terms, or there is large enough equity to do moneylender kallang out.
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But perhaps it's prudent to think from the lender's perspective for a moment. Imagine a stranger approaches you, nicely dressed and polite, and proceeds to enlighten you on his idea to build a lovely espresso stand just down the street from your house. His vision of the success of this venture is optomistic, he apparently has a little experience at running coffee joints, and is now inquiring if you would like to fund moneylender collyer quay and initial operation of this hopeful enterprise.
Similarly, a private lender, looks more at the value of your real property and how much equity you have in it. If the property is worth a million dollars and you owe $300,000. moneylender balestier can borrow $200,000 to $300,000 more on it easily. The formula lenders use is called loan to value ratio. In most cases you can get a loan up to 60% loan to value ratio.
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