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.
You probably wont even have THAT loan long enough for you to recoup the money that you paid upfront! It would take more than 5 years for you to recoup the difference. 90% of homeowners refinance within the first 5 years. What I see mostly of, however, is 2 to 3 years! At least 1% lower would be good to refi to.