In the processed food industry, it is used a thickener, a gelling agent, a stabilizer, and an emulsifier. As such, it can be found in foods as diverse as yogurt, pate, aspic, marshmallows and gummy candy, soups, salad dressings, and canned ham. Edible gelatin is also widely used in the pharmaceutical industry.
Lenders evaluate your three credit scores when deciding if you are a safe investment. Although each lender has its own standards, a credit score of 620 is considered a minimum to apply for a refinance. Obviously, the higher your credit score the better.
There is no specific time when you should refinance your property. You should only refinance when it benefits you, or you can lower your monthly payments. You have to take in considerstion the fees and points you will be charged and when you can expect to get back your money for your refinance. I would say a 1-1.5 drop in the rate should be the standard. That way i will not take you long to get back your fees and points you paid for the refinance.