Finding your best mortgage rate does not have to be complicated if you know how to translate the secret language of mortgage lending.
"I am overwhelmed with the wealth of information." --Kristina
Hi, my name is Kate Ford. As a former mortgage broker for more than 20 years, I've learned the secret language to getting your best interest rate. And I want to share it with you.
Just thinking about a home loan can be nerve wracking. That's normal. 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.
Let me put your mind at ease. Even though mortgage terms may be unfamiliar and the information can seem overwhelming, there are secrets to getting the best mortgage rate.
February 24, 2012 Making Home Affordable Local Event in Tampa, FL
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December 1, 2011 Lenders begin taking Harp II Mortgage Applications
November 15, 2011 HARP II Eligibility Announcement
October 24, 2011 HARP II Mortgage Refinance Closing Costs
October 24, 2011 HARP II Sweeping Changes
Refinancing, buying, or investing... No matter what type of mortgage, I have discovered essential keys to unlocking your best rate.

Now it's time to ask Kate for answers. Let's unlock the secrets to getting your best mortgage rate.

Discover Kate's Best Mortgage Blog today. Keep up to date on what's new about mortgages and additional tips to unlocking the secret code of mortgage lending.
Where to find your best best mortgage advice!
What to do if your mortgage loan approval begins to hiccup.
How much can you afford in a mortgage payment and why your lender doesn't know.
Eliminate guess work and last minute surprises from buying a home with mortgage pre approval.
Discover how to compare mortgage closing costs to get the best rates for the least cost.
Why you should always compare fixed mortgage rates - Because lowest mortgage interest rates may not be your best deal.
How to know when to lock mortgage rates - You deserve reliability and peace of mind, don't you?
This expert online mortgage advice is guaranteed to make you a savvy mortgage shopper.
Nitty gritty mortgage interest rate lock agreements and why you also need a good faith estimate.
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Calculate your house payments in a jiffy!
Learn from Super Kate how to use a mortgage calculator and keep up with your lender.
Follow the time-tested Best Mortgage Rate Blog packed with trade secrets from Ask Kate and Super Kate.
The fresh and effective approach to getting a mortgage!
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Still have questions? Ask Kate about your mortgage!
Loan Modification Answers by Kate - Unique help for modifying your mortgage. Make sure you don't miss this.
Lock Answers by Kate - Learn the nitty gritty inside story of locking your mortgage rate. Rate Locks Part I
Ask Kate About Locking Mortgage Rates - The dilemma of locking mortgage rates continues with even more letters. Rate Locks Part II
Refinance Answers by Kate - Refinancing brings out opinions, for sure! Get the facts here. Refinancing Part I
Refinancing Stories From Homeowners - With reversed rolls, Kate asks and Homeowners offer refinance advice. Refinancing Part II
Home Buying Answers by Kate - Learn how to buy a house. Unusual facts to aid your home buying experience. Home Buying Part I
Stories From Home Buyers - Meet Kate's home buying visitors who tell their stories and give advice for buying a house. Home Buying Part II
Credit Answers by Kate - Improving credit could change your life. Find how to get more than temporary results.
FHA and VA Answers by Kate - Clear the fog. The low down on VA and FHA loan requirements.
PMI Answers by Kate - Private mortgage insurance, friend or foe? Do you know how to get rid of it?
ARM Answers by Kate - Do you have an adjustable rate home mortgage? You can ask Kate for help.
Answers by Kate For Seniors - Reverse Mortgage, the unique income answer for retirees.
How To Compare Mortgage Rates Online - You'll enjoy this collection of homeowner experiences while shopping for lenders.
Kate's Mortgage Advice Forum - Savvy home mortgage tips contributed by readers of this website.
Mortgage News Opinions - Bold opinions of Joe Public regarding mortgage and real estate news.
Website Answers by Kate - Yes... Readers even ask Kate how to build a website.