Trying to get your best mortgage rate is often frustrating. You are about to ask for more money than you've seen in your life. Your hopes and dreams are riding on a stranger's decision.
I had the opportunity to look through your website and was overwhelmed with the wealth of information. -- Kristina in Florida
For many, the thought of applying for a mortgage is nerve wracking because the process can feel mysterious.
Hi, my name is Kate Ford. I am also known as Ask Kate or Super Kate.
You may have heard of me. I was employed by one of the largest lending institutions in the United States where I oversaw millions in funding and managed sales teams.
After a number of financial mergers, I launched my own mortgage company.
Let me put your mind at ease. You see, as a former mortgage broker for more than 20 years, I helped people finance their homes. Yes, I became very adept at solving problems!
So even though your banker's lingo may be unfamiliar, I know how to translate the secret language of mortgage lending. Welcome to my website. I will be your guide!
Here's the first secret. Shopping for the lowest quote does not necessarily result in getting your best mortgage rate.
You are an awesome advocate for consumers and responsible homeowners. This is a very rare qualification. -- Marlene from Colchester, CT
Let's start with the fundamentals.
Kate, I wanted to take this opportunity to thank you for encouraging me to be more responsible with my credit. -- KB
Many of the following techniques are the exact methods I used when I was helping people refinance and buy homes. You are invited to use them too.
I often frequent your site because of the valuable tips and articles. It's clear you truly love what you do and it's contagious! -- Rob N.
Ask Kate™ is a question and answer forum. It's also become the heart and soul of Get Your Best Mortgage Rate. People with questions write to me and I respond with personalized answers. Afterward, I publish the letters on this website for the benefit of all.
I'm often asked about...
Kate, thanks so much for all your help and for keeping me on the side of sane. You have really been a godsend. -- Deborah from Missouri
You can also Ask Kate!
Is your HAMP scheduled for an interest rate adjustment? Find out if you're eligible for a lower rate at Fannie and Freddie Initiatives to Lower HAMP Payments.
HARP ends December 31, 2015: Learn about lower interest rates and no PMI for homes with less than 20% equity at HARP 2 Refinance Announcement.
HAMP ends December 31, 2015: Learn about affordable payments for struggling homeowners at HAMP Tier 2 Modification News.
March 2015: The Mortgage Forgiveness Debt Relief Act that protects US tax payers is up for extension. Learn how you can help at The Mortgage Forgiveness Debt Relief Act 2015 Update.
February 18, 2015: Rust Consulting is re-issuing National Mortgage Foreclosure Settlement checks to this week to replace expired and uncashed checks.
January 26, 2015: Julian Castro, Secretary of HUD, announces a .5% reduction in FHA annual mortgage insurance premiums. Get the mortgage news that's projected to save new FHA borrowers an average of $900 a year.
The more you read my blog's Mortgage News, Updates, and Insider Secrets, the more you'll learn to navigate the lender maze.
Please tell your friends about Best Mortgage Rate, Low Mortgage Payments, Unlock The Secrets by Ask Kate. I hope you'll come back and visit often.
The information you obtain at this site is not, nor is it intended to be, a substitute for personalized professional advice. All numbers are estimated and are for illustrative purposes. Rates are published for convenience only, vary with no advance warning, are not guaranteed, and should not be relied upon. You are encouraged to consult a lender for a current rate quote and seek advice from qualified professionals, for example, attorneys, accountants, financial planners, housing counselors, mortgage lenders, and/or real estate agents, regarding your individual situation. Comments and opinions found here are not necessarily those of Get-Your-Best-Mortgage-Rate.com and its owners.
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