How to Get Your Best Mortgage Rate

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.

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
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 and Super Kate. I author this free informational website to answer mortgage questions and make sense of the bewildering home loan process.

Let Me Put Your Mind at Ease

You are an awesome advocate for consumers and responsible homeowners. This is a very rare qualification. -- Marlene from Colchester, CT

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. As you can imagine, 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.

Kate's Mortgage Basics

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.

Let's start with the fundamentals.

Kate's Tips and Techniques

I had the opportunity to look through your website and was overwhelmed with the wealth of information. -- Kristina in Florida

Many of the following techniques are the exact methods I used when I originated mortgages for my borrowers. You are invited to use them too.

Ask Kate About Your Mortgage

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

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.

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Ask Kate for mortgage answers!

You can also Ask Kate a mortgage question.

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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.

Recent Articles

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    Apr 28, 16 10:56 AM

    Kate's mortgage rate report for the week ending April 28, 2016: Feds Do Not Hint at June Rate Increase
    April 29, 2016 update! Rates down slightly, back to lows of April 19th, with the average 30-year fixed sliding down to 3.67 percent.

    Kate's mortgage rate report for the week ending April 28, 2016: Ye…

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  2. Compare No-Cost HARP Refinance Program to Traditional Refi

    Apr 27, 16 08:25 PM

    Compare No-Cost HARP Refinance Program to Traditional Refi
    Ask Kate to compare no-cost HARP refinance program to traditional refinancing with fees: Maria is considering two refinance options. Both loans are for 20 years but one is for underwater homes while t…

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