Talk:Refinancing

Commercial lenders list
can I link to my refinance quote page? and why does quicken get to be the only lender here? we either need to list all lenders (or maybe just top 10) but one lender shouldn't get all the glory IMO (posted by User:Iamchmod)


 * Sorry, commercial and/or self-promotion is not allowed on wikipedia. Please see the Wikipedia is not page.  Eclipsed 00:19, 11 August 2005 (UTC)


 * so why is Quicken listed on the page? seems a broken policy that discriminates against small lenders. --Iamchmod 21:17, 11 August 2005 (UTC)


 * Concerning only the 'self promotion' part: I think that is clear.  If a user adds a commercial link to their own pages, it is a case of self promotion.  Concerning commercial links that are related to the page content:  those are built by consensus.  Eclipsed 22:22, 11 August 2005 (UTC)


 * I have a number of refinance mortgage calculators available at: [http://www archerpacific com/mortgage%20calculators.html Mortgage Calculators] There are many of them that may be quite useful to users.

Link spam
I just had several links to websites such as the department of Housing and Urban Development deleted in favor of reverting to a version of the article with a series of spam links on it. Long objection posted in the talk page of the moderator in question. I can understand hunting down spam links, but actually reverting the page back to a version where there was MORE spam? 22:20, 13 December 2006 (UTC)


 * Your changes (including the removal of commercial links) have been restored, minus references to a commercial retirement planning site that does not meet WP:Reliable sources criteria. OhNo itsJamie Talk 22:52, 13 December 2006 (UTC)

Link Deletion
I understand why the external links posted were deleted, but they were not posted for Advertising. HSH Associates is a Financial Publisher, we do not make loans or contain any advertising on our site. We are quoted in Publications such as the Wall Street Journal on a weekly basis. Our links were to relevant information about the subject. Hshassociates 16:12, 11 April 2007 (UTC)


 * The site has this on its page when I opened it: "Click here for Mortgage Rates! from lenders in your area..." with advertising links. Apart from any judgment about whether the page has any content, it has a high ad ratio.--Gregalton 17:30, 11 April 2007 (UTC)


 * Of the three links I posted, One here and Two on the Private Mortgage Insurance page, this was the only one that contained that green box. The three links contained in that box linked to other parts of our site, the "Click here for Mortgage Rates" goes to a page where browsers can find a lender in their area for a mortgage.  We get no money if someone follows through. The product catalog is questionable, and with no problem the box could be removed completely from the page.  What suggestions do you have for us? We would like to contribute.Hshassociates 18:10, 11 April 2007 (UTC)
 * If you'd like to contribute, contribute content, not links. Thanks, OhNo itsJamie Talk 18:12, 11 April 2007 (UTC)


 * Please explain the difference between this article (and link) and what we have submitted? How does this HELOC thingy work? - by Don Taylor, Bankrate.com http://www.bankrate.com/brm/news/DrDon/20060720a1.asp Hshassociates 18:30, 11 April 2007 (UTC)


 * I don't understand the question. What does this have to do with the Wikipedia article? OhNo itsJamie Talk 18:35, 11 April 2007 (UTC)


 * Please let me clarify. On this Wikipedia page, http://en.wikipedia.org/wiki/HELOC, the last link on the page is How does this HELOC thingy work? - by Don Taylor, Bankrate.com http://www.bankrate.com/brm/news/DrDon/20060720a1.asp

In fact, there are 69 other references to this online loan aggregator with a site riddled with ads  If they are an 'approved site' based upon your criteria, how is HSH rejected? Hshassociates 18:45, 11 April 2007 (UTC)
 * That site clearly isn't appropriate, so I'm removing it. Thanks for alerting us about this site. If there are others that should be removed, feel free to let us know. Gwernol 18:51, 11 April 2007 (UTC)

Muah!

Please no link spam on the finance articles
Whether you're just trying to be helpful or more likely promoting your own website please do not add direct links from Wikipedia to commercial "directories" or "public information sites" that exist primarily to collect ad revenue for referring people to paid advertisers. This constitutes link spam. It's transpartent, it's trashy, and it's forbidden on Wikipedia so we will remove it and if you keep it up you might get locked out.

If you do want to be helpful, adding references and external verifiable sources is a good thing. These are internal links to other Wikipedia articles or to real serious sources like newspaper articles, legitimate national or international trade associations, books on the subject, etc. The point of Wikipedia isn't a links site to get people a home loan, it is a reference work where they can find trustworthy, solid, verifiable information. Muah X 2! Wikidemo 05:29, 15 June 2007 (UTC)

Please clarify "spam"
The other day I added a link to the Refinancing page. The link went to a refinancing calculator that I paid for. The page that contains the calculator does not show anything but the calculator: no navigation menu from my site, no links to pages on my site...nothing but the calculator.

I thought I was providing an additional service to Wiki visitors, but the calculator link was deleted.

Since links on Wikipedia are relnofollow, I obviously wasn't looking to get any link value. And, since the calculator page had no navigation menu, I obviously wasn't looking to get visitors to my site from the calculator link.

I thought I was doing something good.

I've purchased other calculators for my site that pertain to mortgages, and would be happy to provide them to Wiki visitors. Again, I'm not getting anything out of this. But, if the powers that be don't want them, that's fine. I would just appreciate a clarification.

Thanks, Dick

Wikipedia is encyclopedia, and it needs text of articles. There are thousands of calculators on web. Why this one? Why not that one? Wikipedia is not a web directory for goodies. People can find calcutators themselves. "Spam" has no relation to "nofollow". Spam is an invitation to a website. `'Míkka 16:13, 10 October 2007 (UTC)

US Centric Article and serious errors
I see a lot of problems in this article. First of all, taking a loan against a house doesn't really convert equity in a house into cash. Its not a sale of that equity per se -- the amounts borrowed still must be paid back, at interest. So to call refinancing a 'liquidation' of equity is entirely misleading.

Secondly, in many countries, Canada included, there is no tax advantage to refinancing. A reader ought to be warned that the advice given only is applicable, perhaps, to US residents filing US tax returns.

Thirdly, the definition is wrong. Companies refinance unsecured debts all the time through bond issuance.

So...the article will need to be revised accordingly. I will commence work with a hatchet shortly unless there are substantive objections posed here.

71.17.53.254 (talk) 09:03, 21 November 2007 (UTC)