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
Thank you, thank you, THANK YOU -- for alllll the detailed and useful information you make available to us! You're invaluable -- Deborah M. from St. Louis
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!
September 2015: Fannie Mae and Freddie Mac Improve Loan Modifications.
September 2015: New Foreclosure Time Frames in 33 States.
June 2015: California Owes Millions to Struggling Borrowers.
June 2015: The Mortgage Forgiveness Debt Relief Act Update.
May 2015: HAMP and HARP Program Extensions.
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.
Insider mortgage secrets, every Thursday morning. Sign up now.
Delivered by Super Kate who respects your email privacy.
Borrow a mortgage insider's brain.
Mortgage news, interest rate updates, loan approval tips.
Search my site by entering Ask Kate and a term into your browser's search box. So for the scoop on refinancing, search for Ask Kate Refinance. Try it!
Refinance Answers II: Insider secrets, designed to guide borrowers through every step of the home loan process.
Refinance Answers I: There's no time like now to learn how to refinance and feel good about the outcome.
HARP and HAMP Answers II: Making Home Affordable, New HARP 2.0 Refinance, HAMP Loan Modification, FHA Short Refinance, Strategic Default, Short Sale answers.
HARP and HAMP Answers I: Initial program help for modifying mortgages and HARP refinancing.
Rate Lock Answers II: What heats up a conversation any greater than mortgage rate lock? Vent here and get help too.
Rate Lock Answers I: The pros and cons of breaking mortgage rate locks.
Home Buying Answers II: Answers to questions that home buyers don't feel comfortable asking their lenders.
Home Buying Answers I: Learn how to buy a house. It's the American Dream!
Credit Score Answers: Improving credit could change your life. Find how to get more than temporary results.
FHA and VA Answers: Clear the fog. The low down on VA and FHA loan requirements.
PMI Answers: Private mortgage insurance, friend or foe? Do you know how to get rid of it?
ARM Answers: Does your home have an adjustable rate mortgage? You can ask me for help.
Reverse Mortgage Answers: A unique source of income for Senior Retirees. It's like a cash-out mortgage minus the payment!
How to Compare Mortgage Rates: Borrowers ask how to compare lenders and find the lowest interest rates.
Home Mortgage Tips: When they don't fit elsewhere, savvy questions, stories, and tips land here. Don't miss 'em!