Get Your Best Mortgage Rate by Ask Kate

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
Ask Kate about your mortgage!

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

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

Kate's Mortgage Basics

Let's start with the fundamentals.

  • Improve and preserve your credit score ratings
  • Blueprint to a home buyer's dream team
  • How to refinance your mortgage
  • Reverse mortgage income for seniors
  • Fixed rate mortgage options
  • Crack the code of adjustable rate mortgages
  • Untangle VA and FHA loan guidelines
  • Nuts and bolts of lender's mortgage insurance (PMI)
  • Successfully lock interest rates
  • Avoid the dreaded home foreclosure
Kate, I wanted to take this opportunity to thank you for encouraging me to be more responsible with my credit. -- KB

Kate's Tips and Techniques

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.

  • Calculating house payments with ease
  • Stay current with today's mortgage rates and trends
  • Your banker doesn't know how much you can afford
  • Insist on pre-approval before buying a home
  • What to do if your loan approval develops hiccups
  • Get your ducks in a row with my checklist
  • Understanding good faith estimates
  • How to reduce mortgage closing costs
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 About Your Mortgage

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...

Ask Kate for mortgage answers!
  • HARP 2.0 refinance
  • HAMP loan modification
  • Credit score ratings
  • Buying a first home
  • Refinancing a home mortgage
  • Reverse mortgage refinancing
  • Adjustable rate home mortgage
  • VA and FHA loan requirements
  • Canceling the cost of PMI
  • Locking mortgage rates
  • Comparing rates and closing costs
  • Finding the best lender
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!

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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, loan programs, and guidelines 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 and its owners.

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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!

Borrow My Brain

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!